Blue Cross Medicare Advantage Protect (PPO) H4801-019 is a 2023 Medicare Advantage Plan or Part-C by Blue Cross and Blue Shield of OK, TX available to residents in Texas. This plan does not provide extra prescription drug (Part-D) coverage. Blue Cross and Blue Shield of OK, TX Blue Cross Medicare Advantage Protect (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $5,000 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $5,000 out-of-pocket. This can be an extremely nice safety net.

Blue Cross and Blue Shield of OK, TX works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Blue Cross Medicare Advantage Protect (PPO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Blue Cross and Blue Shield of OK, TX and not Original Medicare. With 2023 Medicare Advantage Plan 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 OK, TX except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Texas.

2023 Blue Cross and Blue Shield of OK, TX Medicare Advantage Plan Overview

What type of plan is Blue Cross Medicare Advantage Protect (PPO)

Blue Cross Medicare Advantage Protect (PPO) is a Local PPO *. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network, but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

How much does Blue Cross Medicare Advantage Protect (PPO) cost?

Part-C Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Blue Cross and Blue Shield of OK, TX charges a $0 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.

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Blue Cross Medicare Advantage Protect (PPO) by Blue Cross and Blue Shield of OK, TX MOOP is $5,000. Once you spend $5,000 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.

2023 Summary of Benefits

The benefit information provided is a summary of what Blue Cross Medicare Advantage Protect (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Blue Cross and Blue Shield of OK, TX helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)	Covered

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Contact lenses

In-Network Vision	$0 copay
Out-of-Network Vision	$0 copay

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Eyeglass frames

In-Network Vision	$0 copay
Out-of-Network Vision	$0 copay

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Eyeglass lenses

Out-of-Network Vision	$0 copay
In-Network Vision	$0 copay

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Eyeglasses (frames and lenses)

Vision	Not covered

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Other

Vision	Not covered

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Routine eye exam

In-Network Vision	$0 copay
Out-of-Network Vision	$0 copay

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Upgrades

Vision	Not covered

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Transportation	Not covered
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 49 $0 per day for days 50 through 100
Out-of-Network Skilled Nursing Facility	$250 per day for days 1 and beyond

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Occupational therapy visit

In-Network Rehabilitation services	$40 copay
Out-of-Network Rehabilitation services	$75 copay

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Physical therapy and speech and language therapy visit

Out-of-Network Rehabilitation services	$75 copay
In-Network Rehabilitation services	$40 copay

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Cleaning

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

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Dental x-ray(s)

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

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Fluoride treatment

Preventive dental	Not covered

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Oral exam

In-Network Preventive dental	$0 copay
Out-of-Network Preventive dental	$0 copay

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Out-of-Network Preventive care	$0 copay
In-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	$375 copay per visit
Out-of-Network Outpatient hospital coverage	$400 copay per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	Yes

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Inpatient hospital - psychiatric

Out-of-Network Mental health services	$500 per day for days 1 and beyond
In-Network Mental health services	$290 per day for days 1 through 6 $0 per day for days 7 through 90

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Outpatient group therapy visit

Out-of-Network Mental health services	$50 copay
In-Network Mental health services	$40 copay

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Outpatient group therapy visit with a psychiatrist

Out-of-Network Mental health services	$50 copay
In-Network Mental health services	$40 copay

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Outpatient individual therapy visit

In-Network Mental health services	$40 copay
Out-of-Network Mental health services	$50 copay

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Outpatient individual therapy visit with a psychiatrist

In-Network Mental health services	$40 copay
Out-of-Network Mental health services	$50 copay

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Chemotherapy

Out-of-Network Medicare Part B drugs	50% coinsurance
In-Network Medicare Part B drugs	20% coinsurance

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Other Part B drugs

Out-of-Network Medicare Part B drugs	50% coinsurance
In-Network Medicare Part B drugs	20% coinsurance

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Diabetes supplies

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	0-20% coinsurance per item

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Durable medical equipment (e.g., wheelchairs, oxygen)

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

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Prosthetics (e.g., braces, artificial limbs)

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$8,950 In and Out-of-network $5,000 In-network $8,950 Out-of-network
In-Network Inpatient hospital coverage	$370 per day for days 1 through 6 $0 per day for days 7 through 90
Out-of-Network Inpatient hospital coverage	$500 per day for days 1 and beyond

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Fitting/evaluation

In-Network Hearing	$0 copay
Out-of-Network Hearing	50% coinsurance

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Hearing aids

Out-of-Network Hearing	$0 copay
In-Network Hearing	$0 copay

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Hearing exam

In-Network Hearing	$40 copay
Out-of-Network Hearing	$75 copay

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Health plan deductible	$750 annual deductible
In-Network Ground ambulance	$275 copay
Out-of-Network Ground ambulance	$275 copay

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Foot exams and treatment

Out-of-Network Foot care (podiatry services)	$75 copay
In-Network Foot care (podiatry services)	$40 copay

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Routine foot care

Foot care (podiatry services)	Not covered

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Emergency

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

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Urgent care

Emergency care/Urgent care	$40 copay per visit (always covered)

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Primary

Out-of-Network Doctor visits	$30 copay per visit
In-Network Doctor visits	$0 copay

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Specialist

Out-of-Network Doctor visits	$75 copay per visit
In-Network Doctor visits	$50 copay per visit

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Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$0-300 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$400 copay

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Diagnostic tests and procedures

Out-of-Network Diagnostic procedures/lab services/imaging	$200 copay
In-Network Diagnostic procedures/lab services/imaging	$0-100 copay

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Lab services

Out-of-Network Diagnostic procedures/lab services/imaging	$200 copay
In-Network Diagnostic procedures/lab services/imaging	$0-50 copay

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Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$5-100 copay
Out-of-Network Diagnostic procedures/lab services/imaging	$200 copay

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Diagnostic services

Comprehensive dental	Not covered

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Endodontics

Comprehensive dental	Not covered

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Extractions

In-Network Comprehensive dental	50% coinsurance
Out-of-Network Comprehensive dental	0-50% coinsurance

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Non-routine services

In-Network Comprehensive dental	0-50% coinsurance
Out-of-Network Comprehensive dental	0-50% coinsurance

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Periodontics

Comprehensive dental	Not covered

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Prosthodontics, other oral/maxillofacial surgery, other services

Comprehensive dental	Not covered

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Restorative services

In-Network Comprehensive dental	0% coinsurance
Out-of-Network Comprehensive dental	0-50% coinsurance

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In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	No

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Blue Cross Medicare Advantage Protect (PPO) requires you to live in that plan’s service area. The service area is listed below:

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Source:CMS. Data as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.