2027 Medicare Advantage plan
Blue Cross Medicare Advantage Freedom Blue (PPO): 2027 benefits and costs
Blue Cross and Blue Shield of Minnesota PPO
CMS plan ID: H5959-018-0 · Plan year: 2027
Blue Cross Medicare Advantage Freedom Blue (PPO) is a 2027 Medicare Advantage plan offered by Blue Cross and Blue Shield of Minnesota. It is listed in Minnesota.
2027 plan costs at a glance
- Organization
- Blue Cross and Blue Shield of Minnesota
- Plan organization
- BCBSM, Inc.
- Parent company
- Aware Integrated, Inc.
- Plan type
- PPO
- Part C premium
- $0.00
- Prescription drug coverage
- No
- 2027 CMS Star Rating
- Standard monthly Medicare Part B premium
- $209.50 (estimated)
- Monthly Part B premium after plan reduction
- $64.50 (estimated)$209.50 standard premium less $145.00 plan reduction.
You must continue to pay your Medicare Part B premium.
- Annual medical deductible
- None
- In-network medical maximum
- $6,900.00
- Combined in/out-of-network medical maximum
- $10,750.00
- Out-of-network medical maximum
- Not applicable
- Part B premium reduction
- $145.00
2027 benefit summary
Doctor visits and medical care
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Primary care doctor | $0
| 50% coinsurance
| |
| Specialist visit | $40.00 copay
| 50% coinsurance
|
|
| Telehealth | $0.00 to $40.00 copay
| Not summarized. Check coverage with the plan. |
|
| Emergency care | $130.00 copay | Not summarized. Check coverage with the plan. | |
| Urgent care | $50.00 copay | Not summarized. Check coverage with the plan. | |
| Home health | $0
| 50% coinsurance
|
|
| Dialysis | 20% coinsurance
| 50% coinsurance
|
|
| Part B chemotherapy and radiation drugs | 0% to 20% coinsurance
| 50% coinsurance
|
|
| Other Part B drugs | 0% to 20% coinsurance
| 50% coinsurance
|
|
| Kidney disease education services | $0
| 50% coinsurance
|
|
| Medicare-covered chiropractic | $15.00 copay
| 50% coinsurance
|
|
| Medicare-covered foot care | $40.00 copay
| 50% coinsurance
|
|
| Other health professionals | $15.00 to $40.00 copay
| 50% coinsurance
|
|
Hospital, outpatient surgery and observation care
Inpatient stays and skilled nursing care
| Care | Your share of the cost | What to know |
|---|---|---|
| Inpatient hospital stay | $0.00 copay per stay Days 1–6: $250.00 copay per day Days 7–90: $0.00 copay per day |
|
| Inpatient mental health care | $0.00 copay per stay Days 1–6: $250.00 copay per day Days 7–90: $0.00 copay per day |
|
| Skilled nursing facility | Days 1–20: $0.00 copay per day Days 21–100: $221.00 copay per day |
|
See plan documents for out-of-network hospital and skilled nursing costs.
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Outpatient hospital care | $20.00 to $500.00 copay
| 50% coinsurance
| |
| Hospital observation services | $500.00 copay
| 50% coinsurance
| |
| Ambulatory surgical center | $325.00 copay
| 50% coinsurance
|
|
| Outpatient blood | $0
| 50% coinsurance
|
|
Tests, imaging and laboratory services
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Diagnostic procedures and tests | $0.00 to $20.00 copay
| 50% coinsurance
|
|
| Laboratory services | $0
| $0
|
|
| Diagnostic radiology (CT, MRI) | $0.00 to $200.00 copay
| 50% coinsurance
|
|
| Therapeutic radiology | 20% coinsurance
| 50% coinsurance
|
|
| X-rays | $10.00 copay
| 50% coinsurance
|
|
Mental health and substance use treatment
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Partial hospitalization | $145.00 copay
| 50% coinsurance
|
|
| Intensive outpatient program | $145.00 copay
| 50% coinsurance
|
|
| Substance use treatment, individual sessions | $40.00 copay
| 50% coinsurance
|
|
| Substance use treatment, group sessions | $40.00 copay
| 50% coinsurance
|
|
| Opioid treatment program | $40.00 copay
| 50% coinsurance
|
|
| Mental health, individual sessions | $40.00 copay
| 50% coinsurance
|
|
| Mental health, group sessions | $40.00 copay
| 50% coinsurance
|
|
| Psychiatry, individual sessions | $40.00 copay
| 50% coinsurance
|
|
| Psychiatry, group sessions | $40.00 copay
| 50% coinsurance
|
|
Therapy and rehabilitation
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Occupational therapy | $40.00 copay
| 50% coinsurance
|
|
| Physical and speech therapy | $40.00 copay
| 50% coinsurance
|
|
| Cardiac rehabilitation | $30.00 copay
| 50% coinsurance
|
|
| Intensive cardiac rehabilitation | $45.00 copay
| 50% coinsurance
|
|
| Pulmonary rehabilitation | $25.00 copay
| 50% coinsurance
|
|
| Supervised exercise for peripheral artery disease | $15.00 copay
| 50% coinsurance
|
|
Ambulance, medical equipment and supplies
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Ground ambulance | $300.00 copay
| $300.00 copay
|
|
| Air ambulance | $300.00 copay
| $300.00 copay
|
|
| Durable medical equipment | 20% coinsurance
| 50% coinsurance
|
|
| Prosthetic devices | 20% coinsurance
| 50% coinsurance
|
|
| Medical supplies | 20% coinsurance
| 50% coinsurance
|
|
| Diabetic supplies | $0
| 50% coinsurance
|
|
| Diabetic shoes and inserts | 20% coinsurance
| 50% coinsurance
|
|
| Diabetic monitors | 0% to 35% coinsurance
| 50% coinsurance
|
|
Dental benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Medicare-covered dental | $30.00 copay | 50% coinsurance
| |
| Oral examsAdditional plan benefit | $0 | $0
| |
| Dental X-raysAdditional plan benefit | $0 | $0
| |
| Dental cleaningAdditional plan benefit | $0 | $0
| |
| Restorative dental careAdditional plan benefit | 20% coinsurance | 20% coinsurance
| |
| Root canal treatment (endodontics)Additional plan benefit | 20% coinsurance | 20% coinsurance
| |
| Gum treatment (periodontics)Additional plan benefit | 0% to 20% coinsurance | 0% to 20% coinsurance
| |
| Removable dentures (prosthodontics)Additional plan benefit | 20% coinsurance | 20% coinsurance
| |
| Fixed dental restorations (prosthodontics)Additional plan benefit | 20% coinsurance | 20% coinsurance
| |
| Oral surgeryAdditional plan benefit | 20% coinsurance | 20% coinsurance
| |
| Other dental servicesAdditional plan benefit | 0% to 20% coinsurance | 0% to 20% coinsurance
|
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Diagnostic and preventive dental (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
| Comprehensive dental (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
Vision benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Medicare-covered eye exams | $20.00 copay
| 50% coinsurance
|
|
| Routine eye examsAdditional plan benefit | $20.00 copay | 50% coinsurance
|
|
| Medicare-covered eyewear | $0
| 50% coinsurance
|
|
| Contact lensesAdditional plan benefit | $0 | $0
|
|
| Eyeglasses, lenses and framesAdditional plan benefit | $0 | $0
|
|
| Eyeglass lensesAdditional plan benefit | $0 | $0
|
|
| Eyeglass framesAdditional plan benefit | $0 | $0
|
|
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Eye exams (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
| Eyewear (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
Hearing benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Medicare-covered hearing exams | $20.00 copay
| 50% coinsurance
|
|
| Routine hearing examsAdditional plan benefit | $0.00 to $20.00 copay | 80% coinsurance
|
|
| Hearing aid fitting and evaluationAdditional plan benefit | $0 | 80% coinsurance
|
|
| Prescription hearing aids (all types)Additional plan benefit | $599.00 to $899.00 copay
| 80% coinsurance
|
|
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Hearing exams (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
| Prescription hearing aids (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
Extra benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Over-the-counter health itemsAdditional plan benefit | $0
| 80% coinsurance
| |
| Limited-duration mealsAdditional plan benefit | $0
| 80% coinsurance
|
|
| Annual physical examAdditional plan benefit | $0
| 50% coinsurance
|
|
| Fitness benefitAdditional plan benefit | $0
| $0
|
|
Additional services and network costs
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Medicare-covered preventive servicesMedicare-covered care | Out-of-network | 50% coinsurance
| |
| Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline)Additional plan benefit | Out-of-network | $0
|
|
| Counseling ServicesAdditional plan benefit | Out-of-network | 50% coinsurance
|
|
| Glaucoma ScreeningMedicare-covered care | Out-of-network | 50% coinsurance
| |
| Diabetes Self-Management TrainingMedicare-covered care | Out-of-network | 50% coinsurance
| |
| Digital Rectal ExamsMedicare-covered care | Out-of-network | 50% coinsurance
| |
| EKG after a Welcome to Medicare visitMedicare-covered care | Out-of-network | 50% coinsurance
| |
| Medicare Part B insulinMedicare-covered care | Out-of-network | 50% coinsurance
|
Prescription drug coverage
This plan does not include a Part D prescription drug benefit.
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 35 county listings across 1 state or territory
Minnesota
- Anoka, Minnesota
- Becker, Minnesota
- Benton, Minnesota
- Big Stone, Minnesota
- Carver, Minnesota
- Cass, Minnesota
- Chisago, Minnesota
- Clay, Minnesota
- Clearwater, Minnesota
- Dakota, Minnesota
- Douglas, Minnesota
- Faribault, Minnesota
- Grant, Minnesota
- Hennepin, Minnesota
- Houston, Minnesota
- Hubbard, Minnesota
- Isanti, Minnesota
- Kandiyohi, Minnesota
- Kittson, Minnesota
- Marshall, Minnesota
- Morrison, Minnesota
- Nicollet, Minnesota
- Otter Tail, Minnesota
- Ramsey, Minnesota
- Renville, Minnesota
- Roseau, Minnesota
- Scott, Minnesota
- Sherburne, Minnesota
- Stearns, Minnesota
- Swift, Minnesota
- Todd, Minnesota
- Washington, Minnesota
- Wilkin, Minnesota
- Winona, Minnesota
- Wright, Minnesota