Blue Medicare Advantage Valor PPO (PPO)

by Wellmark Advantage Health Plan

2026 Medicare Advantage plan available in Iowa

Plan ID H5900-006-0

Additional coverage:

HearingVisionDental

Medicare Advantage PPO $0 premium 3.5 Overall

Monthly plan premium $0 / mo

Annual deductible $0 / yr

Max out-of-pocket · in-network $6,750 / yr

3.5 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

Blue Medicare Advantage Valor PPO (PPO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in Iowa and offered by the health insurance company Wellmark Advantage Health Plan. This plan's network type is PPO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name Blue Medicare Advantage Valor PPO (PPO)

Insurance Carrier Wellmark Advantage Health Plan

Plan Type Medicare Advantage Plan Without Prescription Drugs

Network Type PPO

Cost Summary

Blue Medicare Advantage Valor PPO (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out-of-pocket cost sharing of $6,750. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $0 / mo

Annual Deductible $0 / yr

Max Out-of-Pocket · in-network $6,750 / yr

Primary doctor visit $0 copay

Specialist visit $50 copay

ER visit $130 copay

Ambulance $400 copay

Additional Benefits and Coverage

Blue Medicare Advantage Valor PPO (PPO) is a Medicare Advantage plan which does not include Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Blue Medicare Advantage Valor PPO (PPO) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage No

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Limited coverage

Over-the-counter drug benefits Limited coverage

In-home support services Not covered

Home & bathroom safety devices Not covered

Meals for short duration Not covered

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: $25 copay

Specialist visit In-network: $50 copay
Out-of-network: $75 copay

Tests, labs & imaging

Diagnostic tests & procedures In-network: $70 copay
Out-of-network: $95 copay

Lab services In-network: $15 copay
Out-of-network: $20 copay

Diagnostic radiology services (like MRI) In-network: $250 copay
Out-of-network: $300 copay

Outpatient x-rays In-network: $20 copay
Out-of-network: $30 copay

Emergency care $130 copay

Urgent care $50 copay

Hospital Services

Inpatient hospital coverage In-network:
  Tier 1
  $450 per day for days 1-6
  $0 per day for days 7-90
  $0 per stay
Out-of-network:
  40% per stay

Outpatient hospital coverage In-network: $50-$400 copay
Out-of-network: $75-$500 copay

Skilled nursing facility

Skilled nursing facility In-network:
  Tier 1
  $0 per day for days 1-20
  $218 per day for days 21-100
Out-of-network:
  $0 per day for days 1-20
  $230 per day for days 21-100
  $0 per stay

Preventive services

Preventive services In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance In-network: $400 copay
Out-of-network: $400 copay

Therapy services

Occupational therapy visit In-network: $50 copay
Out-of-network: $75 copay

Physical therapy & speech & language therapy visit In-network: $50 copay
Out-of-network: $75 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: $50 copay
Out-of-network: $75 copay

Outpatient individual therapy with a psychiatrist In-network: $50 copay
Out-of-network: $75 copay

Outpatient group therapy visit In-network: $50 copay
Out-of-network: $75 copay

Outpatient individual therapy visit In-network: $50 copay
Out-of-network: $75 copay

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance

Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Diabetes supplies In-network: $0 copay
Out-of-network: 20% coinsurance

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, Blue Medicare Advantage Valor PPO (PPO) earned an overall rating of 3.5 stars — worse than Iowa's state average of 4.0 stars.

Rating category This plan State average

Overall star rating ★ 3.5 4.0

Health plan quality

Summary rating of health plan quality ★ 3.5 3.9

Staying healthy: screenings, tests & vaccines ★ 4.0 3.8

Managing chronic (long-term) conditions ★ 3.0 3.2

Member experience with health plan ★ 4.0 4.1

Member complaints & changes in performance ★ 4.0 4.2

Health plan customer service ★ 3.0 4.0

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation Not covered

Hearing aids - prescription Not covered

Hearing aids - over the counter In-network: $0 copay
Out-of-network: $0 copay

Preventive dental

Oral exam In-network: $0 copay
Out-of-network: $0 copay

Cleaning In-network: $0 copay
Out-of-network: $0 copay

Fluoride treatment In-network: $0 copay
Out-of-network: $0 copay

Dental x-rays In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services In-network: 25% coinsurance
Out-of-network: 50% coinsurance

Endodontics In-network: 25% coinsurance
Out-of-network: 50% coinsurance

Periodontics In-network: 0%-25% coinsurance
Out-of-network: 0%-50% coinsurance

Prosthodontics, removable Not covered

Prosthodontics, fixed Not covered

Maxillofacial prosthetics Not covered

Implant services Not covered

Oral and maxillofacial surgery In-network: 0%-25% coinsurance
Out-of-network: 0%-50% coinsurance

Orthodontics Not covered

Adjunctive general services Not covered

Vision

Routine eye exam In-network: $0 copay
Out-of-network: 50% coinsurance

Contact lenses In-network: $0 copay
Out-of-network: 50% coinsurance

Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: 50% coinsurance

Eyeglass frames (only) In-network: $0 copay
Out-of-network: 50% coinsurance

Eyeglass lenses (only) In-network: $0 copay
Out-of-network: 50% coinsurance

Upgrades In-network: $0 copay
Out-of-network: 50% coinsurance

Plan documents & tools

Plan details (carrier site)Provider directory Drug list (formulary)

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