Blue Medicare PPO Enhanced Freedom Chatham County, North Carolina Medicare Advantage Plan

Quality Rating:Blue Medicare PPO Enhanced Freedom for  County, NC, a 2014 Medicare Advantage plan, gets 3.0 out of 5 stars from CMS.
Plan ID:H3404-002
Plan Year:2014
Prescriptions:Yes
Rx Deductible:$0.00
Mail Order Rx:No
Donut Hole:Some Generics
Benefits PDF:Blue Medicare PPO Enhanced Freedom Medicare Plan Summary of Benefits PDF Download
Local PPO Plan
$121.30
Blue Cross and Blue Shield of North Carolina logo

Blue Medicare PPO Enhanced Freedom Overview

Blue Medicare PPO Enhanced Freedom Medicare Advantage Plan for Chatham County, North Carolina seniors on Medicare.Blue Medicare PPO Enhanced Freedom for Chatham County, North Carolina, by Blue Cross and Blue Shield of North Carolina, is a Preferred Provider Organization (PPO) Medicare Advantage plan for seniors on Medicare. PPO health insurance allows you to choose your own primary care doctor, specialists and other healthcare providers. If you're on a budget you can lower your out-of-pocket costs by using the plan's provider network.

The monthly premium on this PPO plan is $121.30. Plus, co-payments and/or co-insurances also apply to most of the healthcare services you use. However, unlike traditional Medicare your out-of-pocket expenses are capped. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.

Blue Medicare PPO Enhanced Freedom Quality Rating

To help seniors compare Medicare Advantage plans, Medicare rates the relative quality of all plans. After a full year on the market, each plan receives a one to five-star over-all mark, with one star being the lowest quality and five stars the highest quality.

The CMS has awarded Blue Medicare PPO Enhanced Freedom 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2013).

Blue Medicare PPO Enhanced Freedom Out-of-Pocket Expenses

By law, Medicare Advantage plans have an out-of-pocket limit of $6,700 per year. That said, plans can offer an out-of-pocket maximum as low as $3,400 per year. This plan's out-of-pocket spending limit is $3,400 per year. This amount is not inclusive of your monthly premium or the cost of your prescriptions. It's only what you pay when you receive heathcare services.

What this means to you is that you will no longer make co-payments or co-insurance payments when your out-of-pocket spending reaches $3,400. This is your safety net in the event of a critical illness or a serious accident. It protects you from serious financial liability and it should be carefully considered along with the premium and the co-payments.

When comparing Blue Medicare PPO Enhanced Freedom with traditional Medicare benefits, don't forget that you pay about twenty percent of all healthcare expenses covered by Part A and Part B, but there is no out-of-pocket limit. In other words, you have a lot of risk unless you get a Medigap policy to cover the gaps.

Compare Medicare Health Insurance Plans

Make sure you get the best health insurance for your unique situation. Compare Blue Medicare PPO Enhanced Freedom with these Medicare Advantage plans:

Availability

Blue Medicare PPO Enhanced Freedom is available in the following North Carolina cities: Bear Creek, Bennett, Bonlee, Bynum, Goldston, Gulf, Pittsboro, Siler City, Moncure, and all other areas of Chatham County.

CMS File Date: January 14, 2014.

This Medicare health insurance catalog is maintained by Wellexa Publishing, LLC and was last updated on 7/17/2014.