Blue Cross Medicare Advantage Complete (PPO)

Minnesota Medicare Advantage Plan (2024 Plan)


Monthly Premium

Your Cost
$222
by Blue Cross and Blue Shield of Minnesota

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 4.5
out of 5 stars

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Plan Name
Blue Cross Medicare Advantage Complete (PPO)
Insurance Carrier
Blue Cross and Blue Shield of Minnesota
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

Blue Cross Medicare Advantage Complete (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Minnesota and offered by the health insurance company Blue Cross and Blue Shield of Minnesota. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.

Monthly Premium
$222
Annual Deductible
$0
Max Out-of-Pocket
$2,900
Primary doctor visit
$0-20 copay per visit
Specialist visit
$20 copay per visit
ER visit
$90 copay per visit (always covered)
Ambulance
$200 copay

Blue Cross Medicare Advantage Complete (PPO) has a monthly premium cost of $222 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $5,100 In and Out-of-network $2,900 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 Blue Cross Medicare Advantage Complete (PPO) are defined below.

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

Blue Cross Medicare Advantage Complete (PPO) 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. Blue Cross Medicare Advantage Complete (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Blue Cross Medicare Advantage Complete (PPO) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Limited coverage
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Limited coverage
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, Blue Cross Medicare Advantage Complete (PPO) received an overall government quality rating of 4.5 stars out of 5 stars.

Blue Cross Medicare Advantage Complete (PPO) performed better than Minnesota’s State average overall quality score of 4.2 stars.

This Plan’s 5-star Gov’t Quality Score
Minnesota State Average Score
Overall Government 5 Star Quality Rating
 4.5
 4.2
Summary rating of health plan quality
 4
 4.0
Staying healthy: screenings, tests, & vaccines
 4
 4.0
Managing chronic (long term) conditions
 3
 3.3
Member experience with health plan
 4
 4.1
Member complaints & changes in the health plan's performance
 4
 4.0
Health plan customer service
 4
 4.5
Summary rating of drug plan quality
 5
 4.3
Drug plan customer service
 5
 4.2
Member complaints & changes in the drug plan's performance
 5
 4.4
Member experience with the drug plan
 5
 3.6
Drug safety & accuracy of drug pricing
 4
 4.0

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.

Blue Cross Medicare Advantage Complete (PPO) received 4 stars for its health plan quality score which is the same as the Minnesota State average health plan quality score of 4.0 stars.

Blue Cross Medicare Advantage Complete (PPO) received 5 stars for its drug plan quality score which is better than the Minnesota State average drug plan quality score of 4.3 stars.


Monthly Premium
$222
Health Portion of Premium
$148
Drug Portion of Premium
$74
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$5,100 In and Out-of-network
$2,900 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes

Doctor Services

Primary doctor visit
In-network: $0-20 copay per visit
Out-of-network: $20 copay or 45% coinsurance per visit
Specialist visit
In-network: $20 copay per visit
Out-of-network: $20 copay or 45% coinsurance per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0-10 copay
Out-of-network: $20 copay or 45% coinsurance
Lab services
In-network: $0 copay
Out-of-network: $0 copay
Diagnostic radiology services (like MRI)
In-network: $0-50 copay
Out-of-network: $20 copay or 45% coinsurance
Outpatient x-rays
In-network: $5 copay
Out-of-network: $20 copay or 45% coinsurance
Emergency care
$90 copay per visit (always covered)
Urgent care
$30 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $150 per stay
Out-of-network: 45% per stay
Outpatient hospital coverage
In-network: $0-150 copay per visit
Out-of-network: $20 copay or 45% coinsurance per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$203 per day for days 21 through 100
Out-of-network: 45% per stay

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: $20 copay or 45% coinsurance

Ambulance

Ground ambulance
In-network: $200 copay
Out-of-network: $200 copay

Therapy services

Occupational therapy visit
In-network: $20 copay
Out-of-network: $20 copay or 45% coinsurance
Physical therapy & speech & language therapy visit
In-network: $20 copay
Out-of-network: $20 copay or 45% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $20 copay
Out-of-network: $20 copay or 45% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: $20 copay
Out-of-network: $20 copay or 45% coinsurance
Outpatient group therapy visit
In-network: $20 copay
Out-of-network: $20 copay or 45% coinsurance
Outpatient individual therapy visit
In-network: $20 copay
Out-of-network: $20 copay or 45% coinsurance

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: $20 copay or 45% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: $20 copay or 45% coinsurance per item
Diabetes supplies
In-network: $0 copay
Out-of-network: $20 copay or 45% coinsurance per item

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

TiersInitial coverage phaseGap coverage phaseCatastrophic coverage phase
Preferred Generic$0.00 copay


Generic drugs :
25%

Brand-name drugs :
25%


Generic drugs :
$0 copay

Brand-name drugs :
$0 copay

Generic$9.00 copay
Preferred Brand$47.00 copay
Non-Preferred Drug45%
Specialty Tier33%

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: $20 copay or 45% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: $20 copay or 45% coinsurance

Hearing

Hearing exam
In-network: $0 copay
Out-of-network: $20 copay or 45% coinsurance
Fitting/evaluation
In-network: $0 copay
Out-of-network: 45% coinsurance
Hearing aids - All types
In-network: $499-799 copay
Out-of-network: $499-799 copay

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Cleaning
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Fluoride treatment
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Dental x-rays
In-network: $0 copay
Out-of-network: 0-50% coinsurance

Comprehensive dental

Non-routine services
Not covered
Diagnostic services
Not covered
Restorative services
In-network: 30% coinsurance
Out-of-network: 0-50% coinsurance
Endodontics
In-network: 50% coinsurance
Out-of-network: 0-50% coinsurance
Periodontics
In-network: 0-50% coinsurance
Out-of-network: 0-50% coinsurance
Extractions
In-network: 50% coinsurance
Out-of-network: 0-50% coinsurance
Prosthodontics, other oral/maxillofacial surgery, other services
In-network: 50% coinsurance
Out-of-network: 0-50% coinsurance

Vision

Routine eye exam
In-network: $0 copay
Out-of-network: 45% coinsurance
Contact lenses
In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass lenses (only)
In-network: $0 copay
Out-of-network: $0 copay
Upgrades
Not covered

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