FirstMedicare Direct PPO Plus (PPO)

North Carolina Medicare Advantage Plan (2024 Plan)


Monthly Premium

Your Cost
$59
by FirstMedicare Direct

Additional Coverage

HearingVisionDental

Overall Government Star Rating

No Rating (new plan)

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Plan Name
FirstMedicare Direct PPO Plus (PPO)
Insurance Carrier
FirstMedicare Direct
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

FirstMedicare Direct PPO Plus (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in North Carolina and offered by the health insurance company FirstMedicare Direct. 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
$59
Annual Deductible
$0
Max Out-of-Pocket
$3,900
Primary doctor visit
$10 copay per visit
Specialist visit
$25 copay per visit
ER visit
$120 copay per visit (always covered)
Ambulance
$350 copay

FirstMedicare Direct PPO Plus (PPO) has a monthly premium cost of $59 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $7,500 In and Out-of-network $3,900 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 FirstMedicare Direct PPO Plus (PPO) are defined below.

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

FirstMedicare Direct PPO Plus (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. FirstMedicare Direct PPO Plus (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. FirstMedicare Direct PPO Plus (PPO) includes coverage for the following additional benefits:

Other benefits

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

Monthly Premium
$59
Health Portion of Premium
$40
Drug Portion of Premium
$19
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$7,500 In and Out-of-network
$3,900 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: $10 copay per visit
Out-of-network: 20% coinsurance per visit
Specialist visit
In-network: $25 copay per visit
Out-of-network: 20% coinsurance per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0 copay
Out-of-network: 30% coinsurance
Lab services
In-network: $0 copay
Out-of-network: 30% coinsurance
Diagnostic radiology services (like MRI)
In-network: $250 copay
Out-of-network: 30% coinsurance
Outpatient x-rays
In-network: $0 copay
Out-of-network: 30% coinsurance
Emergency care
$120 copay per visit (always covered)
Urgent care
$15 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $310 per day for days 1 through 6
$0 per day for days 7 through 90
Out-of-network: 20% per stay
Outpatient hospital coverage
In-network: $275 copay per visit
Out-of-network: 20% 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: 20% per stay

Preventive services

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

Ambulance

Ground ambulance
In-network: $350 copay
Out-of-network: $350-400 copay

Therapy services

Occupational therapy visit
In-network: $30 copay
Out-of-network: 20% coinsurance
Physical therapy & speech & language therapy visit
In-network: $30 copay
Out-of-network: 20% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $25 copay
Out-of-network: 20% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: $25 copay
Out-of-network: 20% coinsurance
Outpatient group therapy visit
In-network: $25 copay
Out-of-network: 20% coinsurance
Outpatient individual therapy visit
In-network: $25 copay
Out-of-network: 20% 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% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Diabetes supplies
In-network: 0-20% coinsurance per item
Out-of-network: 20% coinsurance 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 Drug50%
Specialty Tier33%
1 For all other drugs, you pay 25% for generic drugs and 25% for brand-name drugs.

Part B Drugs

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

Hearing

Hearing exam
In-network: $25 copay
Out-of-network: 20% coinsurance
Fitting/evaluation
In-network: $0 copay
Out-of-network: $45 copay
Hearing aids - All types
In-network: $495-1,695 copay
Out-of-network: $495-1,695 copay

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Cleaning
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Fluoride treatment
Not covered
Dental x-rays
In-network: $0 copay
Out-of-network: 0-40% coinsurance

Comprehensive dental

Non-routine services
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Diagnostic services
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Restorative services
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Endodontics
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Periodontics
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Extractions
In-network: $0 copay
Out-of-network: 0-40% coinsurance
Prosthodontics, other oral/maxillofacial surgery, other services
In-network: $0 copay
Out-of-network: 0-40% coinsurance

Vision

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

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