2022 CareFirst BlueCross BlueShield Advantage Enhanced (HMO)

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) H6067-002 is a 2022 Medicare Advantage Plan or Part-C by CareFirst BlueCross BlueShield Medicare Advantage available to residents in Maryland. This plan includes additional prescription drug (Part-D) coverage. The CareFirst BlueCross BlueShield Advantage Enhanced (HMO) has a monthly premium of $95.00 and has an in-network maximum out-of-pocket limit of $6,550 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $6,550 out-of-pocket. This can be a extremely nice safety net.

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your PCPs okay, called a referral. Services received from an out-of-network provider are not typically covered.

CareFirst BlueCross BlueShield Medicare Advantage works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for CareFirst BlueCross BlueShield Advantage Enhanced (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from CareFirst BlueCross BlueShield Medicare Advantage and not Original Medicare. With Medicare Advantage you are always covered for urgently needed and emergency care. Plus you receive all the benefits of Original Medicare from CareFirst BlueCross BlueShield Medicare Advantage except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 CareFirst BlueCross BlueShield Medicare Advantage Medicare Advantage Plan Costs

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) Part-C Premium

CareFirst BlueCross BlueShield Medicare Advantage charges a $72.60 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

H6067-002 Part-D Deductible and Premium

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) has a monthly drug premium of $22.40 and a $0.00 drug deductible. This CareFirst BlueCross BlueShield Medicare Advantage plan offers a $22.40 Part-D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by CareFirst BlueCross BlueShield Medicare Advantage above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $22.40 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

CareFirst BlueCross BlueShield Medicare Advantage Gap Coverage

In 2022 once you and your plan provider have spent $4430 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This CareFirst BlueCross BlueShield Medicare Advantage plan does offer additional coverage through the gap.

Premium Assistance

The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage. Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The CareFirst BlueCross BlueShield Advantage Enhanced (HMO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $5.60 for 75% low income subsidy $11.20 for 50% and $16.80 for 25%.

H6067-002 Formulary or Drug Coverage

CareFirst BlueCross BlueShield Advantage Enhanced (HMO) formulary is divided into Tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price. You can see complete 2022 CareFirst BlueCross BlueShield Advantage Enhanced (HMO) H6067-002 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$5
Tier 2	NA	$15
Tier 3	NA	$47
Tier 4	NA	$100
Tier 5	NA	33%

*Initial Coverage Phase and 30 day supply

2021 CareFirst BlueCross BlueShield Advantage Enhanced (HMO) Summary of Benefits

*This will be updated with 2022 data when available.

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Additional Benefits

No

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Comprehensive Dental

Diagnostic services	Not covered
Endodontics	Not covered
Extractions	$40-50 copay
Non-routine services	$15-30 copay
Periodontics	$50-60 copay
Prosthodontics, other oral/maxillofacial surgery, other services	Not covered
Restorative services	$30-60 copay

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Deductible

$0

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Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI)	$150 copay
Diagnostic tests and procedures	$40 copay
Lab services	$0 copay
Outpatient x-rays	$10 copay

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Doctor Visits

Primary	$0 copay
Specialist	$30 copay per visit

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Emergency care/Urgent Care

Emergency	$90 copay per visit (always covered)
Urgent care	$20 copay per visit (always covered)

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Foot Care (podiatry services)

Foot exams and treatment	$30 copay
Routine foot care	$10 copay

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Ground Ambulance

$200 copay

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Hearing

Fitting/evaluation	$0 copay
Hearing aids	$400-1,875 copay
Hearing exam	$20 copay

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Inpatient Hospital Coverage

$275 per day for days 1 through 5 $0 per day for days 6 through 90

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Medical Equipment/Supplies

Diabetes supplies	$0 copay per item
Durable medical equipment (e.g., wheelchairs, oxygen)	20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)	20% coinsurance per item

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Medicare Part B Drugs

Chemotherapy	20% coinsurance
Other Part B drugs	20% coinsurance

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Mental Health Services

Inpatient hospital - psychiatric	$250 per day for days 1 through 5 $0 per day for days 6 through 90
Outpatient group therapy visit	$10 copay
Outpatient group therapy visit with a psychiatrist	$10 copay
Outpatient individual therapy visit	$20 copay
Outpatient individual therapy visit with a psychiatrist	$20 copay

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MOOP

$6,550 In-network

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Option

No

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Optional supplemental benefits

Yes

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Outpatient Hospital Coverage

$150 copay per visit

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Package #1

Deductible
Monthly Premium	$17.00

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Preventive Care

$0 copay

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Preventive Dental

Cleaning	$20 copay
Dental x-ray(s)	$20 copay
Fluoride treatment	$20 copay
Oral exam	$20 copay

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Rehabilitation Services

Occupational therapy visit	$20 copay
Physical therapy and speech and language therapy visit	$20 copay

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Skilled Nursing Facility

$0 per day for days 1 through 20 $160 per day for days 21 through 100

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Transportation

Not covered

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Vision

Contact lenses	$0 copay
Eyeglass frames	$0 copay
Eyeglass lenses	$10 copay
Eyeglasses (frames and lenses)	Not covered
Other	$0 copay
Routine eye exam	$10 copay
Upgrades	Not covered

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Wellness Programs (e.g. fitness nursing hotline)

Covered

Ready to Enroll?

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Or Call
1-855-778-4180
Mon-Fri 8am-8pm EST
Sat 8am-8pm EST

Coverage Area for CareFirst BlueCross BlueShield Advantage Enhanced (HMO)

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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.