Reviewing The Best Medicare Plans and Medicare Insurance

Blue Value Secure and Blue Value Basic BCBS Georgia Review

BlueValue Secure and BlueValue Basic are two Medicare Advantage plans offered through Blue Cross Blue Shield Healthcare Plan of Georgia.  They are both HMO plans that are available in 16 counties in Georgia.  Knowing that they are offered through Blue Cross and Blue Shield gives you security in the company behind the plans, but are the benefits good or even comparable to the other Medicare Advantage options available in those counties?  All Medicare Advantage plans do cover pretty much the same benefits, but they don’t all cover them the same way.  Let’s look at how each plan covers you:

Blue Value Secure Basic (HMO)

  • Premium – $0 monthly
  • Out of Pocket Maximum – $4,500
  • No Referrals Required for Specialists
  • Hospital Copay – $265/day Days 1-6
  • Doctor’s Visits – Primary = $25; Specialist = $35
  • Outpatient Surgery – $240 copay
  • Labs – $0 – $5 copay
  • Diagnostic Procedures/Tests – 0% – 30% copay
  • X-rays – $55
  • Part D Deductible – $0
  • Part D Copays – Tier 1 = $7; Tier 2 = $43; Tier 3 = $85; Tier 4 = 33%
  • Additional Coverage for some generics during the Coverage Gap
  • No preventative Dental
  • Hearing – $35 copay for routine hearing exam
  • Vision – $0 copay for an eye exam

Blue Value Secure (HMO)

  • Premium – $22 monthly
  • Out of Pocket Maximum – $3,300
  • No Referrals Required for Specialists
  • Hospital Copay – $215/day Days 1-7
  • Doctor’s Visits – Primary = $10; Specialist = $25
  • Outpatient Surgery – $190 copay
  • Labs – $0 – $5  copay
  • Diagnostic Procedures/Tests - $0 – $160 copay
  • X-rays – $40
  • Part D Deductible – $0
  • Part D Copays – Tier 1 = $7; Tier 2 = $43; Tier 3 = $85; Tier 4 = 33%
  • Additional Coverage for some generics during the Coverage Gap
  • No preventative dental
  • Hearing – $25 copay for hearing exam
  • Vision – $0 copay for an eye exam

A couple things to note here with this coverage.  I would go with the Basic plan unless you know that you are going to be in and out of the doctor all year and having procedures done.  2 nice benefits in both plans is that even though they are HMO’s they don’t require referrals.  Also, both plans allow for some coverage through the coverage gap.  You will want to check your providers and your drugs to make sure they are covered under the plan’s network.

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