BlueCHiP for Medicare Value (HMO-POS)
Rhode Island Medicare Advantage Plan (2024 Plan)
Monthly Premium
Additional Coverage
Overall Government Star Rating
4.5Ready to Enroll Online?
Plan Overview
BlueCHiP for Medicare Value (HMO-POS) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Rhode Island and offered by the health insurance company Blue Cross Blue Shield of Rhode Island. This plan’s network type is HMO which determines in-network doctors who accept the health plan and whether a referral is needed.
Cost Summary
BlueCHiP for Medicare Value (HMO-POS) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $5,000 In-network $5,000 Out-of-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 BlueCHiP for Medicare Value (HMO-POS) are defined below.
Additional Benefits and Coverage
BlueCHiP for Medicare Value (HMO-POS) 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. BlueCHiP for Medicare Value (HMO-POS) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. BlueCHiP for Medicare Value (HMO-POS) includes coverage for the following additional benefits:
Other benefits
Comparing the Quality Score of BlueCHiP for Medicare Value (HMO-POS) to Other Plans in Rhode Island
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, BlueCHiP for Medicare Value (HMO-POS) received an overall government quality rating of 4.5 stars out of 5 stars.
BlueCHiP for Medicare Value (HMO-POS) performed better than Rhode Island’s State average overall quality score of 4.0 stars.
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.
BlueCHiP for Medicare Value (HMO-POS) received 4.5 stars for its health plan quality score which is better than the Rhode Island State average health plan quality score of 4.0 stars.
BlueCHiP for Medicare Value (HMO-POS) received 4.5 stars for its drug plan quality score which is better than the Rhode Island State average drug plan quality score of 3.9 stars.
Plan Benefits and Coverage Details
$5,000 Out-of-network
Medical Benefits
Doctor Services
Out-of-network: 20% coinsurance per visit
Out-of-network: 20% coinsurance per visit
Tests, labs, & imaging
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Hospital Services
$0 per day for days 6 through 90
Out-of-network: 20% per day for days 1 through 90
Out-of-network: 20% coinsurance per visit
Skilled nursing facility
$203 per day for days 21 through 45
$0 per day for days 46 through 100
Out-of-network: 20% per day for days 1 through 100
Preventive services
Out-of-network: 20% coinsurance
Ambulance
Out-of-network: $150 copay
Therapy services
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Mental health services
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Opioid treatment services
Other services
Out-of-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Prescription Drug Benefits
Tier drug costs for: Standard retail pharmacy drug cost for 1-month
| Tiers | Initial coverage phase | Gap coverage phase | Catastrophic coverage phase |
|---|---|---|---|
| Preferred Generic | $8.00 copay |
Brand-name drugs :
|
Brand-name drugs :
|
| Generic | $16.00 copay | ||
| Preferred Brand | $47.00 copay | ||
| Non-Preferred Drug | $100.00 copay | ||
| Specialty Tier | 33% |
Part B Drugs
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Extra Benefits
Hearing
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: No Data
Preventive Dental
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Comprehensive dental
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Vision
Out-of-network: 20% coinsurance
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
Out-of-network: No Data
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