Alyssa Lane
Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that provides coverage for health, prescription drugs, routine dental, vision, hearing, and preventive care. It is offered by Highmark Blue Cross Blue Shield or Highmark Blue Shield. The Freedom Blue PPO Deluxe plan received 4.5 stars for its drug plan quality score, outperforming the Pennsylvania state average. This plan includes Medicare Part D prescription drug coverage and additional benefits such as coverage for hearing, vision, and dental. The monthly premium for this plan is $248, with an annual deductible of $0 and a maximum out-of-pocket cost of $8,950.
| Characteristics | Values |
|---|---|
| Type of Insurance | Medicare Advantage Preferred-Provider Organization (PPO) |
| Coverage | Health, prescription drugs, routine dental, vision, hearing, and preventive care |
| Choice of Provider | Yes, including out-of-network options |
| Geographic Coverage | 41 states, Puerto Rico, and while travelling |
| Plan Options | Freedom Blue PPO, Freedom Blue PPO Deluxe |
| Deluxe Plan Provider | Highmark Blue Cross Blue Shield or Highmark Blue Shield |
| Deluxe Plan Monthly Premium | $248 |
| Deluxe Plan Annual Deductible | $0 |
| Deluxe Plan Maximum Out-of-Pocket | $8,950 In and Out-of-Network, $4,500 In-Network |
| Deluxe Plan Quality Rating | 4.5 out of 5 stars |
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What You'll Learn
Freedom Blue PPO Deluxe (PPO) is a Medicare Advantage Plan
Freedom Blue PPO is a Preferred-Provider Organization that offers comprehensive coverage for health, prescription drugs, routine dental, vision, hearing, and preventive care. It allows enrollees to choose where they receive their care within the Freedom Blue PPO network and the combined Blue Plan Medicare Advantage PPO networks spanning 41 states and Puerto Rico. Alternatively, enrollees can choose to go out of the network for their care needs.
The Freedom Blue PPO Deluxe plan offers additional benefits beyond those covered by Original Medicare. It provides coverage for a range of dental, vision, and hearing services, although there may be provider network restrictions. It is important to review the plan's Evidence of Coverage to understand the specific services included.
Pennsylvania Medicare beneficiaries should review the plan network to ensure their doctors are part of it. Additionally, if prescription drugs are covered by the plan, enrollees should verify that their required medications are included in the plan's formulary or list of covered drugs.
The Centers for Medicare & Medicaid Services (CMS) evaluates Medicare Advantage plans annually using a 5-star rating system. This helps beneficiaries assess the quality of the plans they are considering.
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The plan includes Medicare Part D Prescription Drug Coverage
Medicare Part D is an optional plan that helps cover the cost of prescription drugs. It is offered as a standalone plan to those enrolled in Original Medicare (Medicare Part A and Part B) or as a set of benefits included with Medicare Advantage (Part C). Medicare Part D is only provided through private insurance companies approved by the federal government, and it is offered to everyone who qualifies for Medicare.
Part D plans cover most outpatient prescription drugs, and they must also cover most vaccines, except for those covered by Part B. However, some drugs are explicitly excluded from Medicare coverage by law, including drugs used to treat weight loss or gain, and over-the-counter drugs. Additionally, some medications may not be covered by your specific plan, depending on its formulary, which may limit coverage based on medical necessity, cost, or safety.
If you are having trouble getting the medication you need covered by your plan, you can appeal by submitting a formal request for an exception to a drug coverage rule. For example, you can request coverage for a drug that is not in your formulary or a waiver for a step therapy requirement to use a lower-tier drug.
Each plan has different costs, and you will likely pay a premium or monthly fee for your prescription drug plan in addition to the one you pay for Medicare Part B. If your income is above a certain limit, you may also pay a monthly adjustment payment on top of your prescription drug premium. For many plans, there is also a yearly deductible, which is the amount you must pay each year for your prescription drugs before your Medicare drug plan covers the costs. In 2025, no Medicare drug plan will have a deductible higher than $590. After meeting your deductible, your plan may still require you to pay part of the cost of your prescriptions, called a copayment or coinsurance.
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The plan is available in Pennsylvania
Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that offers coverage for health, prescription drugs, routine dental, vision, hearing, and preventive care. It is available in 41 states and Puerto Rico, and it allows users to choose where they receive their care within the combined Blue Plan Medicare Advantage PPO networks.
Freedom Blue PPO Deluxe (PPO) is a Medicare Advantage plan offered by Highmark Blue Cross Blue Shield or Highmark Blue Shield. This plan is available in Pennsylvania and includes Medicare Part D Prescription Drug coverage. It also covers vision, dental, and hearing. The plan received a rating of 4.5 stars for its drug plan quality, which is better than the Pennsylvania State average drug plan quality score of 4.1 stars.
The Freedom Blue PPO Deluxe (PPO) plan has a monthly premium cost of $248, with an annual deductible of $0 and a maximum out-of-pocket cost-sharing of $8,950 in-network and $4,500 out-of-network. The plan offers coverage for visits to primary doctors, specialists, emergency rooms, and ambulance services.
As of January 1, 2025, all Medicare-eligible retirees and dependents residing within the United States enrolled in Signature 65 with Medicare Part A and B will transition to the new customized Freedom Blue PPO Medicare Advantage Plan. This plan is available in Pennsylvania and offers a range of benefits, including prescription drug coverage, dental, vision, and hearing care.
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It is offered by Highmark Blue Cross Blue Shield or Highmark Blue Shield
Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization offered by Highmark Blue Cross Blue Shield or Highmark Blue Shield. It provides coverage for health, prescription drugs, routine dental, vision, hearing, and preventive care. The plan allows users to choose where they receive their care, either through the Freedom Blue PPO network or the combined Blue Plan Medicare Advantage PPO networks, which cover 41 states and Puerto Rico.
The Freedom Blue PPO Deluxe (PPO) plan, in particular, has received positive ratings for its drug plan quality, outperforming the Pennsylvania state average. This plan includes Medicare Part D Prescription Drug coverage and additional benefits such as coverage for hearing, vision, and dental. It has a monthly premium cost of $248, an annual deductible of $0, and a maximum out-of-pocket cost-sharing of $8,950 in-network and $4,500 out-of-network.
The Highmark Senior Health Company and Highmark Senior Solutions Company, which are associated with Freedom Blue PPO, are PPO plans with Medicare contracts. Enrollment in these plans depends on contract renewal.
Effective January 1, 2025, Medicare-eligible retirees and dependents residing in the United States and enrolled in Signature 65 with Medicare Part A and B will transition to the Freedom Blue PPO Medicare Advantage Plan. This transition will be communicated to eligible individuals in the coming months.
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The monthly premium cost is $248 per month
Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that offers coverage for health, prescription drugs, routine dental, vision, hearing, and preventive care. It is available in 41 states and Puerto Rico, and it allows users to choose where they receive their care.
One such plan offered by Freedom Blue PPO is the Freedom Blue PPO Deluxe (PPO). This plan is offered by Highmark Blue Cross Blue Shield or Highmark Blue Shield and is available in Pennsylvania. The Freedom Blue PPO Deluxe (PPO) plan has received positive ratings for its drug plan quality, scoring 4.5 out of 5 stars, which is higher than Pennsylvania's state average of 4.1 stars.
The Freedom Blue PPO Deluxe (PPO) plan has a monthly premium cost of $248 per month, with an annual deductible of $0 and a maximum out-of-pocket cost-sharing of $8,950 for in-network and out-of-network services. This monthly premium cost provides users with access to a range of benefits, including coverage for primary doctor visits, specialist doctor visits, emergency room visits, and ambulance services.
The $248 monthly premium cost for the Freedom Blue PPO Deluxe (PPO) plan offers comprehensive coverage and flexibility for its users. With this plan, individuals can choose their preferred healthcare providers and receive coverage for a wide range of services, including prescription drugs, dental, vision, and hearing care. This plan's monthly cost and benefits make it a competitive option for those seeking reliable and accessible healthcare coverage.
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Frequently asked questions
Freedom Blue PPO is a Medicare Advantage Preferred-Provider Organization that provides coverage for health, prescription drugs, routine dental, vision, hearing, and preventive care.
The Freedom Blue PPO Deluxe plan has a monthly premium cost of $248 per month, with an annual deductible of $0 and a maximum out-of-pocket cost-sharing of $8,950 in-network and out-of-network, and $4,500 in-network only.
Freedom Blue PPO Deluxe received a rating of 4.5 stars out of 5 for 2025, which is better than Pennsylvania's state average overall quality score of 4.2 stars.
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