CareFirst BlueCross BlueShield Advantage Enhanced (HMO)

Maryland Medicare Advantage Plan (2024 Plan)


Monthly Premium

Your Cost
$92
by CareFirst BlueCross BlueShield Medicare Advantage

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 2.5
out of 5 stars

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Plan Name
CareFirst BlueCross BlueShield Advantage Enhanced (HMO)
Insurance Carrier
CareFirst BlueCross BlueShield Medicare Advantage
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
HMO

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Maryland and offered by the health insurance company CareFirst BlueCross BlueShield Medicare Advantage. This plan’s network type is HMO which determines in-network doctors who accept the health plan and whether a referral is needed.

Monthly Premium
$92
Annual Deductible
$0
Max Out-of-Pocket
$7,300
Primary doctor visit
$0 copay
Specialist visit
$40 copay per visit
ER visit
$100 copay per visit (always covered)
Ambulance
$200 copay

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) has a monthly premium cost of $92 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $7,300 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for CareFirst BlueCross BlueShield Advantage Enhanced (HMO) are defined below.

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. CareFirst BlueCross BlueShield Advantage Enhanced (HMO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. CareFirst BlueCross BlueShield Advantage Enhanced (HMO) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Not covered
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Not covered
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2024, CareFirst BlueCross BlueShield Advantage Enhanced (HMO) received an overall government quality rating of 2.5 stars out of 5 stars.

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) performed worse than Maryland’s State average overall quality score of 3.6 stars.

This Plan’s 5-star Gov’t Quality Score
Maryland State Average Score
Overall Government 5 Star Quality Rating
 2.5
 3.6
Summary rating of health plan quality
 2.5
 3.5
Staying healthy: screenings, tests, & vaccines
 3
 4.1
Managing chronic (long term) conditions
 2
 3.6
Member experience with health plan
 2
 3.0
Member complaints & changes in the health plan's performance
 3
 4.1
Health plan customer service
 4
 3.8
Summary rating of drug plan quality
 2.5
 3.8
Drug plan customer service
 5
 3.6
Member complaints & changes in the drug plan's performance
 3
 4.2
Member experience with the drug plan
 1
 3.5
Drug safety & accuracy of drug pricing
 2
 3.4

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) received 2.5 stars for its health plan quality score which is worse than the Maryland State average health plan quality score of 3.5 stars.

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) received 2.5 stars for its drug plan quality score which is worse than the Maryland State average drug plan quality score of 3.8 stars.


Monthly Premium
$92
Health Portion of Premium
$51
Drug Portion of Premium
$41
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$7,300 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes

Doctor Services

Primary doctor visit
$0 copay
Specialist visit
$40 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
$40 copay
Lab services
$0 copay
Diagnostic radiology services (like MRI)
$150 copay
Outpatient x-rays
$10 copay
Emergency care
$100 copay per visit (always covered)
Urgent care
$20 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
$350 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient hospital coverage
$150 copay per visit

Skilled nursing facility

Skilled nursing facility
$0 per day for days 1 through 20
$160 per day for days 21 through 100

Preventive services

Preventive services
$0 copay

Ambulance

Ground ambulance
$200 copay

Therapy services

Occupational therapy visit
$18 copay
Physical therapy & speech & language therapy visit
$18 copay

Mental health services

Outpatient group therapy with a psychiatrist
$10 copay
Outpatient individual therapy with a psychiatrist
$20 copay
Outpatient group therapy visit
$10 copay
Outpatient individual therapy visit
$20 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
20% coinsurance per item
Prosthetics (like braces, artificial limbs)
20% coinsurance per item
Diabetes supplies
$0 copay per item

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseGap coverage phase1Catastrophic coverage phase
Preferred Generic$2.00 copay$2.00 copay


Generic drugs :
$0 copay

Brand-name drugs :
$0 copay

Generic$15.00 copay
Preferred Brand$47.00 copay
Non-Preferred Drug40%
Specialty Tier33%
1 For all other drugs, you pay 25% for generic drugs and 25% for brand-name drugs.

Part B Drugs

Chemotherapy drugs
0-20% coinsurance
Other Part B drugs
0-20% coinsurance

Hearing

Hearing exam
$20 copay
Fitting/evaluation
$0 copay
Hearing aids - All types
$400-1,875 copay

Preventive Dental

Oral exam
$5 copay
Cleaning
$5 copay
Fluoride treatment
$5 copay
Dental x-rays
$5 copay

Comprehensive dental

Non-routine services
$15-30 copay
Diagnostic services
Not covered
Restorative services
$15-500 copay
Endodontics
$100-200 copay
Periodontics
$50-300 copay
Extractions
$40-100 copay
Prosthodontics, other oral/maxillofacial surgery, other services
$30-700 copay

Vision

Routine eye exam
$10 copay
Contact lenses
$0 copay
Eyeglasses (frames & lenses)
Not covered
Eyeglass frames (only)
$0 copay
Eyeglass lenses (only)
$10 copay
Upgrades
Not covered

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