Blue Advantage Complete and Premier PPO Review

Blue Advantage Complete and Premier are Medicare Advantage PPOs offered by Blue Cross and Blue Shield of Alabama.  Medicare beneficiaries that live in Alabama are eligible to enroll into either one of the plans.  Blue Cross claims a network of 8,000 providers and 99% of the hospitals in Alabama are in-network providers for these two plans.  That is an impressive network!  We know finding your provider in network shouldn’t be a problem, but how good are the benefits?  Let’s take a look at some of the most commonly used benefits to see how they compare.

Blue Advantage Complete (PPO)

  • Premium – $0 – $279/monthly
  • Out of Pocket Maximum – $3,400
  • No Referrals Required for Specialists
  • Hospital Copay – $195/day Days 1-7
  • Doctor’s Visits – Primary = $20; Specialist = $40
  • Outpatient Surgery – $300 copay
  • Labs – $0  copay
  • Diagnostic Procedures/Tests - $0 copay
  • X-rays – $20
  • Part D Deductible – $130; Does not apply to Tier 1
  • Part D Copays – Tier 1 = $8; Tier 2 = $45; Tier 3 = $95; Tier 4 = 29%
  • No preventative dental, vision, or hearing coverage

Blue Advantage Premier (PPO)

  • Premium – $119 – $199/monthly
  • Out of Pocket Maximum – $3,400
  • No Referrals Required for Specialists
  • Hospital Copay – $175/day Days 1-5
  • Doctor’s Visits – Primary = $10; Specialist = $30
  • Outpatient Surgery – $175 copay
  • Labs – $0  copay
  • Diagnostic Procedures/Tests - $0 copay
  • X-rays – $15
  • Part D Deductible – $0
  • Part D Copays – Tier 1 = $7; Tier 2 = $45; Tier 3 = $75; Tier 4 = 33%
  • No preventative vision, or hearing coverage
  • Preventative dental – $0 copay for exams, cleanings, and x-rays

Both plans are not available in all counties so you may have only one to choose from.  If you do have a choice it looks like you will not benefit much from paying the additional premium for the premier plan.  It is nice to see BCBS being more competitive with a $0 premium plan.  Unfortunately, it’s only available in a handful of counties.  Since you pay a higher copay when you are out of network, it is a good idea to see if your doctor is in the plan’s network.  Also, compare other plan offerings in your area as well as Medicare supplement costs.

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