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2023 Medicare Plus Blue PPO Vitality (PPO)

Medicare Plus Blue PPO Vitality (PPO) H9572-002 is a 2023 Medicare Advantage Plan or Part-C by Blue Cross Blue Shield of Michigan available to residents in Michigan. This plan includes extra prescription drug (Part-D) coverage. Blue Cross Blue Shield of Michigan Medicare Plus Blue PPO Vitality (PPO) has a monthly premium of $38.00 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 Blue Shield of Michigan works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Medicare Plus Blue PPO Vitality (PPO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Blue Cross Blue Shield of Michigan 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 Blue Shield of Michigan except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Michigan.



2023 Blue Cross Blue Shield of Michigan Medicare Advantage Plan Overview

Name:Medicare Plus Blue PPO Vitality (PPO)
Plan ID:H9572 002 1
Provider:Blue Cross Blue Shield of Michigan
Year:2023
Type:Local PPO
Combined Premium (C+D):$38.00/mo
Part C Premium:$51.90/mo
MOOP:$5,000/yr
Part D (Drug) Premium:$31.10/mo
Part D Supplemental Premium$0/mo
Total Part D Premium:$31.10/mo
Drug Deductible:$0/yr
Tiers with No Deductible:0
Gap Coverage:Yes
Benchmark:Not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: H9572-003




What type of plan is Medicare Plus Blue PPO Vitality (PPO)

Medicare Plus Blue PPO Vitality (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 Medicare Plus Blue PPO Vitality (PPO) cost?


Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Blue Cross Blue Shield of Michigan charges a $38.00 consolidated premium. The Part C premium is $51.90 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.


Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Medicare Plus Blue PPO Vitality (PPO) has a monthly drug premium of $31.10 and a $0 drug deductible. This Blue Cross Blue Shield of Michigan plan offers a $31.10 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. This Premium covers any enhanced plan benefits offered by Blue Cross Blue Shield of Michigan above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $31.10. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.


Blue Cross Blue Shield of Michigan Gap Coverage

In 2023 once you and your plan provider have spent $4660 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 extra coverage. This Blue Cross Blue Shield of Michigan plan does offer extra coverage through the gap.


Extra Help Premium Assistance

The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The Medicare Plus Blue PPO Vitality (PPO) medicare insurance offers a $0 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $7.80 for 75% low-income subsidy $15.50 for 50% and $23.30 for 25%.


Full Assistance Premium:$0
75% Assistance Premium:$7.80
50% Assistance Premium:$15.50
25% Assistance Premium:$23.30


MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Medicare Plus Blue PPO Vitality (PPO) by Blue Cross Blue Shield of Michigan 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.



Formulary and Drug Coverage

Medicare Plus Blue PPO Vitality (PPO) 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.

Drug Tier Copay
Preferred
Pharmacy		 Copay
Nonpreferred
Pharmacy
Tier 1 $0 $5
Tier 2 $11 $20
Tier 3 $42 $47
Tier 4 50% 50%
Tier 5 33% 33%

The complete Medicare Plus Blue PPO Vitality (PPO) Formulary.
*Initial Coverage Phase and 30 day supply





2023 Summary of Benefits


The benefit information provided is a summary of what Medicare Plus Blue PPO Vitality (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Blue Cross Blue Shield of Michigan 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


Contact lenses


In-Network Vision$0 copay
Out-of-Network Vision50% coinsurance


Eyeglass frames


Out-of-Network Vision50% coinsurance
In-Network Vision$0 copay


Eyeglass lenses


In-Network Vision$0 copay
Out-of-Network Vision50% coinsurance


Eyeglasses (frames and lenses)


VisionNot covered


Other


Out-of-Network Vision50% coinsurance
In-Network Vision$40 copay


Routine eye exam


Out-of-Network Vision50% coinsurance
In-Network Vision$0 copay


Upgrades


VisionNot covered



In-Network Transportation$0 copay
Out-of-Network Transportation$0 copay
In-Network Transportation$0 copay
Out-of-Network Transportation$0 copay
In-Network Skilled Nursing Facility$0 per day for days 1 through 20
$188 per day for days 21 through 100
Out-of-Network Skilled Nursing Facility40% per stay


Occupational therapy visit


In-Network Rehabilitation services$40 copay
Out-of-Network Rehabilitation services40% coinsurance


Physical therapy and speech and language therapy visit


Out-of-Network Rehabilitation services40% coinsurance
In-Network Rehabilitation services$40 copay


Cleaning


Out-of-Network Preventive dental50% coinsurance
In-Network Preventive dental$0 copay


Dental x-ray(s)


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental50% coinsurance


Fluoride treatment


Out-of-Network Preventive dental50% coinsurance
In-Network Preventive dental$0 copay


Oral exam


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental50% coinsurance



In-Network Preventive care$0 copay
Out-of-Network Preventive care$0 copay
In-Network Outpatient hospital coverage$150-220 copay per visit
Out-of-Network Outpatient hospital coverage40% coinsurance per visit
In-Network Other health plan deductibles?No
Optional supplemental benefitsYes


Inpatient hospital - psychiatric


Out-of-Network Mental health services40% per stay
In-Network Mental health services$250 per day for days 1 through 6
$0 per day for days 7 through 90


Outpatient group therapy visit


In-Network Mental health services$20 copay
Out-of-Network Mental health services40% coinsurance


Outpatient group therapy visit with a psychiatrist


In-Network Mental health services$20 copay
Out-of-Network Mental health services40% coinsurance


Outpatient individual therapy visit


In-Network Mental health services$20 copay
Out-of-Network Mental health services40% coinsurance


Outpatient individual therapy visit with a psychiatrist


In-Network Mental health services$20 copay
Out-of-Network Mental health services40% coinsurance


Chemotherapy


Out-of-Network Medicare Part B drugs40% coinsurance
In-Network Medicare Part B drugs20% coinsurance


Other Part B drugs


Out-of-Network Medicare Part B drugs40% coinsurance
In-Network Medicare Part B drugs20% coinsurance


Diabetes supplies


In-Network Medical equipment/supplies$0 copay
Out-of-Network Medical equipment/supplies$0 copay


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


Out-of-Network Medical equipment/supplies0-40% coinsurance per item
In-Network Medical equipment/supplies0-20% coinsurance per item


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


In-Network Medical equipment/supplies20% coinsurance per item
Out-of-Network Medical equipment/supplies40% coinsurance per item



Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$6,700 In and Out-of-network
$5,000 In-network
Out-of-Network Inpatient hospital coverage40% per stay
In-Network Inpatient hospital coverage$250 per day for days 1 through 6
$0 per day for days 7 through 90


Fitting/evaluation


In-Network Hearing$0 copay
Out-of-Network Hearing50% coinsurance


Hearing aids


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


Hearing exam


In-Network Hearing$0-40 copay
Out-of-Network Hearing50% coinsurance



Health plan deductible$0
In-Network Ground ambulance$275 copay
Out-of-Network Ground ambulance$275 copay or 40% coinsurance


Foot exams and treatment


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


Routine foot care


Foot care (podiatry services)Not covered


Emergency


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


Urgent care


Emergency care/Urgent care$0-50 copay per visit (always covered)


Primary


Out-of-Network Doctor visits40% coinsurance per visit
In-Network Doctor visits$0 copay


Specialist


Out-of-Network Doctor visits40% coinsurance per visit
In-Network Doctor visits$40 copay per visit


Diagnostic radiology services (e.g., MRI)


In-Network Diagnostic procedures/lab services/imaging$100-150 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance


Diagnostic tests and procedures


In-Network Diagnostic procedures/lab services/imaging$0-150 copay
Out-of-Network Diagnostic procedures/lab services/imaging$0 copay or 40% coinsurance


Lab services


In-Network Diagnostic procedures/lab services/imaging$0-40 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance


Outpatient x-rays


In-Network Diagnostic procedures/lab services/imaging$35-150 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance


Diagnostic services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance


Endodontics


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay


Extractions


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay


Non-routine services


Comprehensive dentalNot covered


Periodontics


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance


Prosthodontics, other oral/maxillofacial surgery, other services


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay


Restorative services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance



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




Medicare Plus Blue PPO Vitality (PPO) Reviews


Is Medicare Plus Blue PPO Vitality (PPO) a good plan? Medicare Plus Blue PPO Vitality (PPO) received a 4.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare Medicare Plus Blue PPO Vitality Reviews among several different plans.

2022 Overall Rating
Part C Summary Rating
Part-D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing


Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer Screening
Annual Flu Vaccine
Monitoring Physical Activity


Managing Chronic And Long Term Care for Older Adults

Total Rating
SNP Care Management
Medication Review
Pain Assessment
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Controlling Blood Pressure
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy


Member Experience with H9572-002 Health Plan

Total Experience Rating
Getting Needed Care
Getting Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination


Member Complaints and Changes in Plans Performance

Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement


Health Plan Customer Service Rating for Blue Cross Blue Shield of Michigan

Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language


Drug Plan Customer Service Ratings

Total Rating
Call Center, TTY, Foreign Language


Ratings For Member Complaints and Changes in the Drug Plans Performance

Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Drug Plan Quality Improvement


Member Experience with the Drug Plan

Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs


Drug Safety and Accuracy of Drug Pricing

Total Rating
MPF Price Accuracy
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes


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 Medicare Plus Blue PPO Vitality (PPO) requires you to live in that plan’s service area. The service area is listed below:

State: Michigan Medicare


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How much does Medicare Plus Blue PPO Vitality (PPO) cost?

Blue Cross Blue Shield of Michigan charges a $38.00 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is Medicare Plus Blue PPO Vitality (PPO) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Medicare Plus Blue PPO Vitality (PPO) by Blue Cross Blue Shield of Michigan MOOP is $5,000. Once you spend $5,000 you will pay nothing for Part A or Part B covered services.

What type of plan is Medicare Plus Blue PPO Vitality (PPO)?

Medicare Plus Blue PPO Vitality (PPO) is a Local PPO. A (PPO) is a Medicare plan that has contracts with a network of preferred providers. You do not need to select a primary care physician and you do not need referrals to see other providers in the network.

Is Medicare Plus Blue PPO Vitality (PPO) a good plan?

Medicare Plus Blue PPO Vitality (PPO) received a 4.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.



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

Last updated on

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.

      Site Search:

MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.