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Blue Medicare Freedom+ (PPO)

North Carolina Medicare Advantage Plan (2025 Plan)

Monthly Premium

Your Cost
$0
by Blue Cross and Blue Shield of North Carolina

Additional Coverage

Hearing

Overall Government Star Rating

 4.5
out of 5 stars

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Plan Overview

Plan Name
Blue Medicare Freedom+ (PPO)
Insurance Carrier
Blue Cross and Blue Shield of North Carolina
Plan Type
Medicare Advantage Plan Without Prescription Drugs
Network Type
PPO

Blue Medicare Freedom+ (PPO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in North Carolina and offered by the health insurance company Blue Cross and Blue Shield of North Carolina. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.

Cost Summary

Monthly Premium
$0
Annual Deductible
$0
Max Out-of-Pocket
$9,350
Primary doctor visit
20% coinsurance per visit
Specialist visit
20% coinsurance per visit
ER visit
$100 copay per visit (always covered)
Ambulance
20% coinsurance

Blue Medicare Freedom+ (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 $14,000 In and Out-of-network $9,350 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 Medicare Freedom+ (PPO) are defined below.

Additional Benefits and Coverage

No
Part D Prescription Drug Coverage
No
Dental
No
Vision
Yes
Hearing

Blue Medicare Freedom+ (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 Freedom+ (PPO) includes coverage for hearing.

Medicare Advantage health plans can offer even more additional benefits. Blue Medicare Freedom+ (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
Limited coverage
Home and bathroom safety devices
Limited coverage
Meals for short duration
Limited coverage
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Comparing the Quality Score of Blue Medicare Freedom+ (PPO) to Other Plans in North Carolina

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 2025, Blue Medicare Freedom+ (PPO) received an overall government quality rating of 4.5 stars out of 5 stars.

Blue Medicare Freedom+ (PPO) performed better than North Carolina’s State average overall quality score of 4.0 stars.

This Plan’s 5-star Gov’t Quality Score
North Carolina State Average Score
Overall Government 5 Star Quality Rating
 4.5
 4.0
Summary rating of health plan quality
 4.5
 4.0
Staying healthy: screenings, tests, & vaccines
 5
 3.9
Managing chronic (long term) conditions
 3
 3.5
Member experience with health plan
 5
 4.2
Member complaints & changes in the health plan's performance
 5
 4.1
Health plan customer service
 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 Medicare Freedom+ (PPO) received 4.5 stars for its health plan quality score which is better than the North Carolina State average health plan quality score of 4.0 stars.

Plan Benefits and Coverage Details

Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$14,000 In and Out-of-network
$9,350 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
No
Dental Coverage included
No
Doctor Lookup Link
https://www.bluecrossnc.com/find-a-doctor-or-facility/medicare
Plan Link
https://www.bluecrossnc.com/medicare

Medical Benefits

Doctor Services

Primary doctor visit
In-network: 20% coinsurance per visit
Out-of-network: 40% coinsurance per visit
Specialist visit
In-network: 20% coinsurance per visit
Out-of-network: 40% coinsurance per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Lab services
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Diagnostic radiology services (like MRI)
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Outpatient x-rays
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Emergency care
$100 copay per visit (always covered)
Urgent care
$45 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $2,185 per stay
Out-of-network: 40% per stay
Outpatient hospital coverage
In-network: 20% coinsurance per visit
Out-of-network: 40% coinsurance per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$214 per day for days 21 through 60
$0 per day for days 61 through 100
Out-of-network: 40% per stay

Preventive services

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

Ambulance

Ground ambulance
In-network: 20% coinsurance
Out-of-network: 40% coinsurance

Therapy services

Occupational therapy visit
In-network: $30 copay
Out-of-network: 40% coinsurance
Physical therapy & speech & language therapy visit
In-network: $30 copay
Out-of-network: 40% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Outpatient group therapy visit
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Outpatient individual therapy visit
In-network: 20% coinsurance
Out-of-network: 40% 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: 40% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item
Diabetes supplies
In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item

Prescription Drug Benefits

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

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance

Extra Benefits

Hearing

Hearing exam
In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Fitting/evaluation
Not covered
Hearing aids - Inner ear
Not covered
Hearing aids - Outer ear
Not covered
Hearing aids - Over the ear
Not covered

Preventive Dental

Oral exam
Not covered
Cleaning
Not covered
Fluoride treatment
Not covered
Dental x-rays
Not covered

Comprehensive dental

Restorative services
Not covered
Endodontics
Not covered
Periodontics
Not covered
Prosthodontics, removable
Not covered
Prosthodontics, fixed
Not covered
Maxillofacial prosthetics
Not covered
Implant services
Not covered
Oral and maxillofacial surgery
Not covered
Orthodontics
Not covered
Adjunctive general services
Not covered

Vision

Routine eye exam
Not covered
Contact lenses
Not covered
Eyeglasses (frames & lenses)
Not covered
Eyeglass frames (only)
Not covered
Eyeglass lenses (only)
Not covered
Upgrades
Not covered

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