2027 Medicare Advantage plan

Blue adVantage Dual Plus (HMO-POS D-SNP): 2027 benefits and costs

Blue Cross and Blue Shield of Louisiana HMO-POS D-SNP Special Needs Plan

CMS plan ID: H6453-019-0 · Plan year: 2027

Blue adVantage Dual Plus (HMO-POS D-SNP) is a 2027 Medicare Advantage plan offered by Blue Cross and Blue Shield of Louisiana. It is listed in Louisiana.

2027 plan costs at a glance

Monthly plan premium$14.90

Drug deductible$700.00

In-network medical out-of-pocket maximum$9,850.00

Costs shown are before Medicaid or Extra Help; your costs depend on your eligibility and assistance.

Organization: Blue Cross and Blue Shield of Louisiana
Plan organization: HMO LOUISIANA, INC.
Parent company: Louisiana Health Service & Indemnity Company
Plan type: HMO-POS D-SNP
Part C premium: $0.00
Part D premium: $14.90
Prescription drug coverage: Yes
Special Needs Plan type: Dual-Eligible
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)

You must continue to pay your Medicare Part B premium.

In-network medical deductible: Same as Medicare's Part B deductible
Applies to certain in-network Medicare-covered services.
Combined in/out-of-network medical deductible: None
Out-of-network medical deductible: $500.00
Applies to certain out-of-network supplemental services and certain out-of-network Medicare-covered services.
In-network medical maximum: $9,850.00
Combined in/out-of-network medical maximum: Not applicable
Out-of-network medical maximum: Not applicable

Who can join this Special Needs Plan?

This plan is for people who qualify for both Medicare and Medicaid. The plan must confirm the required Medicaid eligibility level. Your costs can depend on your assistance level.

Plan eligibility type: Dual-Eligible

2027 benefit summary

Doctor visits and medical care

Plan-level deductibles may still apply when a service-specific deductible is listed as No.

Common medical services and member costs
Service	In-network	Point-of-service	What to know
Primary care doctor	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No
Specialist visit	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Telehealth	20% coinsurance Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required Yes Referral required No
Emergency care	20% coinsurance	Not summarized. Check coverage with the plan.
Urgent care	20% coinsurance	Not summarized. Check coverage with the plan.
Home health	$0 Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Dialysis	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	$35.00 copay; 0% to 50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	$35.00 copay; 0% to 50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Kidney disease education services	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Medicare-covered chiropractic	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Medicare-covered foot care	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Other health professionals	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	Original Medicare cost-sharing rules apply.	Approval required Yes Referral required No Benefit period Original Medicare
Inpatient mental health care	Original Medicare cost-sharing rules apply.	Approval required Yes Referral required No Benefit period Original Medicare
Skilled nursing facility	Original Medicare cost-sharing rules apply.	Approval required Yes Referral required No Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	Point-of-service	What to know
Outpatient hospital care	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No
Hospital observation services	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No
Ambulatory surgical center	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Outpatient blood	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	Point-of-service	What to know
Diagnostic procedures and tests	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Laboratory services	$0.00 to $35.00 copay Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Therapeutic radiology	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
X-rays	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	Point-of-service	What to know
Partial hospitalization	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Intensive outpatient program	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Substance use treatment, individual sessions	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Substance use treatment, group sessions	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Opioid treatment program	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Mental health, individual sessions	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Mental health, group sessions	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Psychiatry, individual sessions	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Psychiatry, group sessions	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	Point-of-service	What to know
Occupational therapy	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Physical and speech therapy	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Cardiac rehabilitation	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Pulmonary rehabilitation	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	Point-of-service	What to know
Ground ambulance	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No
Air ambulance	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No
Durable medical equipment	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Diabetic supplies	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Diabetic shoes and inserts	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes
Diabetic monitors	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	Point-of-service
Medicare-covered dental	20% coinsurance	50% coinsurance Deductible applies No Dollar benefit limit applies No
Oral examsAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Dental X-raysAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Other diagnostic dentalAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Dental cleaningAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
FluorideAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Restorative dental careAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Root canal treatment (endodontics)Additional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Gum treatment (periodontics)Additional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Removable dentures (prosthodontics)Additional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Fixed dental restorations (prosthodontics)Additional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Oral surgeryAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year
Other dental servicesAdditional plan benefit	$0.00 copay	15% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $2,700.00 How often this limit applies Every year

Vision benefits

Vision benefits and member costs
Service	In-network	Point-of-service	What to know
Medicare-covered eye exams	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Routine eye examsAdditional plan benefit	$0.00 copay	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required Yes Referral required No
Medicare-covered eyewear	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0.00 copay	$0 Deductible applies No Dollar benefit limit applies Yes Benefit allowance $300.00 How often this limit applies Every year	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0.00 copay	$0 Deductible applies No Dollar benefit limit applies Yes Benefit allowance $300.00 How often this limit applies Every year	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0.00 copay	$0 Deductible applies No Dollar benefit limit applies Yes Benefit allowance $300.00 How often this limit applies Every year	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0.00 copay	$0 Deductible applies No Dollar benefit limit applies Yes Benefit allowance $300.00 How often this limit applies Every year	Approval required No Referral required No

Additional network details

These costs apply to the listed service categories and networks.

Vision benefits: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
UpgradesAdditional plan benefit	Point-of-service	$0 Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $300.00 How often this limit applies Every year

Hearing benefits

Hearing benefits and member costs
Service	In-network	Point-of-service	What to know
Medicare-covered hearing exams	20% coinsurance Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Routine hearing examsAdditional plan benefit	$0	$0 Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0	80% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0.00 copay Service-specific deductible No	80% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,450.00 How often this limit applies Every year	Approval required No Referral required No
Over-the-counter hearing aidsAdditional plan benefit	$0.00 copay Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	Point-of-service	What to know
Over-the-counter health itemsAdditional plan benefit	$0 Service-specific deductible No	Not summarized. Check coverage with the plan.
Annual physical examAdditional plan benefit	$0 Service-specific deductible No	50% coinsurance Deductible applies No Dollar benefit limit applies No	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No

Additional services and network costs

Additional network details

These costs apply to the listed service categories and networks.

Additional medical services: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Medicare-covered preventive servicesMedicare-covered care	Point-of-service	50% coinsurance Deductible applies No	Dollar benefit limit applies No
Glaucoma ScreeningMedicare-covered care	Point-of-service	50% coinsurance Deductible applies No	Dollar benefit limit applies No
Diabetes Self-Management TrainingMedicare-covered care	Point-of-service	50% coinsurance Deductible applies No	Dollar benefit limit applies No
Digital Rectal ExamsMedicare-covered care	Point-of-service	50% coinsurance Deductible applies No	Dollar benefit limit applies No
EKG after a Welcome to Medicare visitMedicare-covered care	Point-of-service	50% coinsurance Deductible applies No	Dollar benefit limit applies No
Medicare Part B insulinMedicare-covered care	Point-of-service	$35.00 copay; 0% to 50% coinsurance Deductible applies No	Dollar benefit limit applies No

Allowances and optional benefits

OTC and Hearing aid

One shared limit covers the listed services, not a separate allowance for each service.

Services sharing this allowance: Over-the-counter health items; Over-the-counter hearing aids
How benefits are provided: Catalogue Purchase; Debit Card; Reimbursement
Advance choice of benefits required: No
Shared benefit limit: $95.00
How often this limit applies: Every one month
Shared limit on visits or trips: No

Benefits for qualifying members

Healthy Foods and Utilities

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Chronic alcohol use disorder and other substance use disorders (SUDs); Autoimmune disorders; Cancer; Cardiovascular disorders; Chronic heart failure; Dementia; Diabetes mellitus; Overweight, obesity, and metabolic syndrome; Chronic gastrointestinal disease; Chronic kidney disease (CKD); Severe hematologic disorders; HIV/AIDS; Chronic lung disorders; Chronic and disabling mental health conditions; Neurologic disorders; Stroke; Post-organ transplantation; Immunodeficiency and Immunosuppressive disorders; Conditions associated with cognitive impairment; Conditions with functional challenges; Chronic conditions that impair vision, hearing (deafness), taste, touch, and smell; Conditions that require continued therapy services in order for individuals to maintain or retain functioning
To qualify: Participation in a Care Management Program
Included services: Food and produce; Support for daily living
Applies to out-of-network or point-of-service care: No
Some package benefits are exempt from the deductible: Yes
Services exempt from the deductible: Food and produce; Support for daily living
Package limit: $100.00
How often this limit applies: Every month
How benefits are provided: Debit Card; Reimbursement
Services sharing the package limit: Food and produce; Support for daily living

Transportation

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Other 1
Qualifying conditions: Chronic Kidney Disease/ESRD
To qualify: Participation in a Care Management Program
Included services: Transportation to plan-approved health locations
Applies to out-of-network or point-of-service care: No
Some package benefits are exempt from the deductible: Yes
Services exempt from the deductible: Transportation to plan-approved health locations

Prescription drug coverage

Costs shown are for initial coverage.

Drug deductible exceptions: Tier 1 are exempt from the deductible.

Standard retail costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	100 days
Tier 1Preferred Generic	$0.00	$0.00	$0.00
Tier 2Generic	25%	25%	25%
Tier 3Preferred Brand	25%	25%	25%
Tier 4Non-Preferred Drug	26%	26%	26%
Tier 5Specialty Tier	25%	Not listed	Not listed

Mail-order and other pharmacies

Out-of-network pricing: You pay the standard retail copay or coinsurance, plus any difference between the pharmacy’s billed charge and the amount the plan allows at a standard retail pharmacy.

Standard mail order costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard mail order: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	100 days
Tier 1Preferred Generic	$0.00	$0.00	$0.00
Tier 2Generic	25%	25%	25%
Tier 3Preferred Brand	25%	25%	25%
Tier 4Non-Preferred Drug	26%	26%	26%
Tier 5Specialty Tier	25%	Not listed	Not listed

Long-term care pharmacy costs

Long-term care pharmacy: initial-coverage cost per prescription fill
Drug tier	31 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	25%
Tier 3Preferred Brand	25%
Tier 4Non-Preferred Drug	26%
Tier 5Specialty Tier	25%

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	25%
Tier 3Preferred Brand	25%
Tier 4Non-Preferred Drug	26%
Tier 5Specialty Tier	25%

Drug coverage rules and exceptions

Tier 1: Preferred Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 2: Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 3: Preferred Brand

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 4: Non-Preferred Drug

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only

Initial-coverage prices also apply to drugs exempt from the deductible: Yes

Special cost protections apply to covered insulin and recommended adult vaccines.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.

View all locations 64 county listings across 1 state or territory