Key Plan Highlights

With Blue Cross Medicare Advantage (PPO)℠, you:

• Tend to have lower monthly premiums
• Do not need to choose a primary care provider (PCP)
• Are free to use doctors, hospitals and health care providers outside the network (may require higher copays and coinsurance)
• Save more when using in-network providers
• Get drug coverage

With Blue Cross Medicare Advantage (HMO)℠, you:

• Typically have lower or $0 monthly premiums
• Your care is handled by one primary care provider (PCP) who knows your health history
• Your costs will be as low as possible when you see a provider in the network
• You may be required to get a referral from your primary care physician prior to visiting a specialist
• These plans may or may not cover prescription drugs

With Blue Cross Medicare Advantage (HMO-POS)℠, you:

• A $0 monthly premium option is available
• Flexibility to see doctors outside of the plan network in some cases
• A predetermined copay rate, no coinsurance, to see doctors or specialists outside of the plan network
• These plans may or may not cover prescription drugs