Freedom Blue PPO Valor (PPO)
West Virginia Medicare Advantage Plan (2024 Plan)
Monthly Premium

Additional Coverage
Overall Government Star Rating
4.5Ready to Enroll Online?
Plan Overview
Freedom Blue PPO Valor (PPO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in West Virginia and offered by the health insurance company Highmark Blue Cross Blue Shield. 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
Freedom Blue PPO Valor (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 $8,950 In and Out-of-network $6,000 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 Freedom Blue PPO Valor (PPO) are defined below.
Additional Benefits and Coverage
Freedom Blue PPO Valor (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. Freedom Blue PPO Valor (PPO) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. Freedom Blue PPO Valor (PPO) includes coverage for the following additional benefits:
Other benefits
Comparing the Quality Score of Freedom Blue PPO Valor (PPO) to Other Plans in West Virginia
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, Freedom Blue PPO Valor (PPO) received an overall government quality rating of 4.5 stars out of 5 stars.
Freedom Blue PPO Valor (PPO) performed better than West Virginia’s State average overall quality score of 4.1 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.
Freedom Blue PPO Valor (PPO) received 4.5 stars for its health plan quality score which is better than the West Virginia State average health plan quality score of 4.2 stars.
Plan Benefits and Coverage Details
$6,000 In-network
Medical Benefits
Doctor Services
Out-of-network: $0 copay
Out-of-network: $10 copay per visit
Tests, labs, & imaging
Out-of-network: $35 copay
Out-of-network: $35 copay
Out-of-network: $325 copay
Out-of-network: $35 copay
Hospital Services
Out-of-network: $395 per stay
Out-of-network: $375 copay per visit
Skilled nursing facility
$203 per day for days 21 through 100
Out-of-network: 30% per stay
Preventive services
Out-of-network: $0 copay
Ambulance
Out-of-network: $250 copay or 30% coinsurance
Therapy services
Out-of-network: $35 copay
Out-of-network: $35 copay
Mental health services
Out-of-network: $35 copay
Out-of-network: $35 copay
Out-of-network: $35 copay
Out-of-network: $35 copay
Opioid treatment services
Other services
Out-of-network: 30% coinsurance per item
Out-of-network: 30% coinsurance per item
Out-of-network: 30% coinsurance per item
Prescription Drug Benefits
Tier drug costs for: Standard retail pharmacy drug cost for 1-month
Part B Drugs
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Extra Benefits
Hearing
Out-of-network: $10 copay
Out-of-network: $0 copay
Preventive Dental
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Comprehensive dental
Out-of-network: 50% coinsurance
Out-of-network: 50% coinsurance
Out-of-network: 50% coinsurance
Out-of-network: 50% coinsurance
Out-of-network: 50% coinsurance
Out-of-network: 50% coinsurance
Out-of-network: 50% coinsurance
Vision
Out-of-network: $50 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
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