2022 Platinum Blue Complete Plan with Rx (Cost)

Platinum Blue Complete Plan with Rx (Cost) H2461-010 is a 2022 Medicare Advantage Plan or Part-C by Blue Cross and Blue Shield of Minnesota available to residents in Minnesota. This plan includes additional prescription drug (Part-D) coverage. The Platinum Blue Complete Plan with Rx (Cost) has a monthly premium of $232.50 and has an in-network maximum out-of-pocket limit of $2,700 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $2,700 out-of-pocket. This can be a extremely nice safety net.

Platinum Blue Complete Plan with Rx (Cost) is a Cost plan. A Cost plan is operated by a Health Maintenance Organization (HMO) in accordance with a cost reimbursement contract. A Medicare Cost Plan is a type of HMO. These plans may work in much the same way, and have some of the same rules, as Medicare Advantage Plans. You may use the cost plans network of providers or receive their health care services through Original Medicare. With a Cost Plan, if you go to a non-network provider, the services are covered under Original Medicare. You would pay the Medicare Part A and Part B coinsurance and deductibles.

Blue Cross and Blue Shield of Minnesota works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Platinum Blue Complete Plan with Rx (Cost) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Blue Cross and Blue Shield of Minnesota 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 Blue Cross and Blue Shield of Minnesota except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 Blue Cross and Blue Shield of Minnesota Medicare Advantage Plan Costs

Platinum Blue Complete Plan with Rx (Cost) Part-C Premium

Blue Cross and Blue Shield of Minnesota charges a 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.

H2461-010 Part-D Deductible and Premium

Platinum Blue Complete Plan with Rx (Cost) has a monthly drug premium of $33.80 and a $480.00 drug deductible. This Blue Cross and Blue Shield of Minnesota plan offers a $33.80 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 $29.70 this Premium covers any enhanced plan benefits offered by Blue Cross and Blue Shield of Minnesota 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 $63.50 . 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.

Blue Cross and Blue Shield of Minnesota 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 Blue Cross and Blue Shield of Minnesota plan does not 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 Platinum Blue Complete Plan with Rx (Cost) medicare insurance offers a $29.70 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $38.10 for 75% low income subsidy $46.60 for 50% and $55.00 for 25%.

H2461-010 Formulary or Drug Coverage

Platinum Blue Complete Plan with Rx (Cost) 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 Platinum Blue Complete Plan with Rx (Cost) H2461-010 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$0
Tier 2	NA	$9
Tier 3	NA	20%
Tier 4	NA	42%
Tier 5	NA	25%

*Initial Coverage Phase and 30 day supply

2021 Platinum Blue Complete Plan with Rx (Cost) 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	Not covered
Non-routine services	Not covered
Periodontics	$0 copay
Prosthodontics, other oral/maxillofacial surgery, other services	Not covered
Restorative services	Not covered

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Deductible

$0

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Diagnostic Tests and Procedures

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

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Doctor Visits

Primary	$0 copay
Specialist	$0 copay

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Emergency care/Urgent Care

Emergency	$0 copay
Urgent care	$0 copay

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Foot Care (podiatry services)

Foot exams and treatment	$0 copay
Routine foot care	Not covered

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Ground Ambulance

$0 copay

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Hearing

Fitting/evaluation	$0 copay
Hearing aids	$499-799 copay
Hearing exam	$0 copay

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Inpatient Hospital Coverage

$100 per stay

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Medical Equipment/Supplies

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

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Medicare Part B Drugs

Chemotherapy	20% coinsurance
Other Part B drugs	0-20% coinsurance

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Mental Health Services

Inpatient hospital - psychiatric	$100 per stay
Outpatient group therapy visit	$0 copay
Outpatient group therapy visit with a psychiatrist	$0 copay
Outpatient individual therapy visit	$0 copay
Outpatient individual therapy visit with a psychiatrist	$0 copay

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MOOP

$2,700 In-network

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Option

No

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Optional supplemental benefits

No

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Outpatient Hospital Coverage

$0 copay

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Preventive Care

$0 copay

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Preventive Dental

Cleaning	$0 copay
Dental x-ray(s)	$0 copay
Fluoride treatment	Not covered
Oral exam	$0 copay

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Rehabilitation Services

Occupational therapy visit	$0 copay
Physical therapy and speech and language therapy visit	$0 copay

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Skilled Nursing Facility

$0 per day for days 1 through 100

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Transportation

Not covered

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Vision

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

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Wellness Programs (e.g. fitness nursing hotline)

Covered

CMS Star Ratings for Platinum Blue Complete Plan with Rx (Cost) H2461

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with Health Plan

Member Complaints and Changes in Platinum Blue Complete Plan with Rx (Cost) Plans Performance

Health Plan Customer Service Rating for Platinum Blue Complete Plan with Rx (Cost)

Platinum Blue Complete Plan with Rx (Cost) Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

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 Platinum Blue Complete Plan with Rx (Cost)

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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.