Blue Cross Blue Shield Medicare Blue Advantage Plans - Medicare
Blue Advantage® Plans Include:
- Comprehensive Medical Coverage >
- Prescription Drug Coverage >
- Comprehensive Dental >
- Vision Exams & Eyewear >
- Hearing Exams & Hearing Aids >
- $0 premium options available
- $0 drug deductible depending on plan selection
- Statewide provider network with 100% of Alabama hospitals and 90% of doctors
- No referral required for network specialists, doctors or hospitals
- In network and out covered services
- $0 copay for an annual routine vision and hearing exam
- Significant discounts on hearing aids through TruHearing®
- Eyewear and dental allowance (varies by plan selection)
- $0 copay for most preventive services, most immunizations, and lab services
- Air medical transportation**
- 24-Hour nurses hotline
Comprehensive Medical Coverage
More >Comprehensive Medical Coverage
NO referrals required to see specialists.
You can use providers outside the network.
With 90% of doctors and EVERY Alabama hospital in the Blue Advantage network, it’s easy to get the in-network doctor you want.
NO COST for many health screenings, immunizations and other Medicare-recommended preventive services.
Prescription Drug Coverage
More >Prescription Drug Coverage
Blue Advantage plans have over 1,000+ network pharmacies in Alabama that make it convenient for you to save money.
Dental
Coverage
More >Dental Coverage
Our Medicare Advantage plans include a dental allowance designed to provide additional coverage.
Ranging from $500-$1,000 allowance maximum per calendar year for most comprehensive and preventive dental services (Blue Advantage Complete / Blue Advantage Premier).
$375 allowance maximum per calendar year for preventive-only dental services (Blue Advantage Choice).
Vision Exams & Eyewear
More >Vision Exams & Eyewear
$0 copay for annual routine vision exam (Blue Advantage Complete / Blue Advantage Premier).
$0 copay for annual routine vision exam, after meeting the annual medical deductible (Blue Advantage Choice).
$100 eyewear allowance, per calendar year (all Blue Advantage plans).
Hearing Exams & Hearing Aids
More >TruHearing® Services*
A comprehensive hearing care solution — $0 copay for an annual routine hearing exam, plus you can get state-of-the-art hearing aids as low as $499, $699 or $999 (one per ear, per year) which can save you thousands of dollars.
*All content ©2025 TruHearing, Inc. All rights reserved. TruHearing® is a registered trademark of TruHearing, Inc. All appointments must be performed by a TruHearing network provider for routine hearing exam and hearing aids.
Health & Wellness Benefits
More >Health & Wellness Benefits
Click here to learn more about the Blue Advantage® Rewards & Wellness Program.
Living a healthier lifestyle has never been more rewarding! Blue Advantage members can enroll in the Blue Advantage Rewards & Wellness Program, where we can help guide you on your path to better health. You’ll get personalized information about the screenings you need and access to online wellness resources to help you stay healthy and active. Plus you can get rewards for getting needed preventive screenings and managing chronic conditions!
Blue Advantage makes it easy to stay healthy and save money
- $0 premium options available
- $0 drug deductible, depending upon plan selection
- $0 copay for Tier 1 drugs
- Statewide provider network with 100% of Alabama hospitals and 90% of doctors
- No referral required for network specialists, doctors or hospitals
- In network and out of network covered services
- $0 copay for an annual routine vision and hearing exam
- Significant discounts on hearing aids through TruHearing®***
- Eyewear and dental allowance (varies by plan selection)
- $0 copay for most preventive services, most immunizations, and lab services
- Air medical transportation**
- 24-Hour nurse hotline
We have 90% of all Alabama physicians in our network.
Along with 100% of all Alabama hospitals!
More Information:
 |
Blue AdvantageChoice (PPO)$0 per monthEnroll NowView Extra Help Pricing >
Based on your income, you may qualify for financial help from Medicare to lower your monthly premium.* If you qualify, you will also have no drug coverage gap and lower out-of-pocket costs. If you aren't receiving extra help, the Alabama State Health Insurance Assistance Program (SHIP) provides education and counseling on low-income assistance programs for Medicare. 1-800-AGE-LINE (1-800-243-5463) TTY 1-800-548-2547 Medicare beneficiaries can qualify for Extra Help paying for their monthly premiums, annual deductibles, and co-payments related to Medicare prescription drug coverage. https://www.ssa.gov/benefits/medicare/prescriptionhelp
You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for getting Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call 1-800-325-0778; or your State Medicaid Office. https://www.ssa.gov/medicare/part-d-extra-help *You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party. |
Blue AdvantageComplete (PPO)$0 per month$35.50 per monthEnroll NowView Extra Help Pricing >
Based on your income, you may qualify for financial help from Medicare to lower your monthly premium.* If you qualify, you will also have no drug coverage gap and lower out-of-pocket costs. If you aren't receiving extra help, the Alabama State Health Insurance Assistance Program (SHIP) provides education and counseling on low-income assistance programs for Medicare. 1-800-AGE-LINE (1-800-243-5463) TTY 1-800-548-2547 Medicare beneficiaries can qualify for Extra Help paying for their monthly premiums, annual deductibles, and co-payments related to Medicare prescription drug coverage. https://www.ssa.gov/benefits/medicare/prescriptionhelp
You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for getting Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call 1-800-325-0778; or your State Medicaid Office. https://www.ssa.gov/medicare/part-d-extra-help *You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party. |
Blue AdvantagePremier (PPO)$163 per monthEnroll NowView Extra Help Pricing >
Based on your income, you may qualify for financial help from Medicare to lower your monthly premium.* If you qualify, you will also have no drug coverage gap and lower out-of-pocket costs. If you aren't receiving extra help, the Alabama State Health Insurance Assistance Program (SHIP) provides education and counseling on low-income assistance programs for Medicare. 1-800-AGE-LINE (1-800-243-5463) TTY 1-800-548-2547 Medicare beneficiaries can qualify for Extra Help paying for their monthly premiums, annual deductibles, and co-payments related to Medicare prescription drug coverage. https://www.ssa.gov/benefits/medicare/prescriptionhelp
You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for getting Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call 1-800-325-0778; or your State Medicaid Office. https://www.ssa.gov/medicare/part-d-extra-help *You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party. |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Primary Care Doctor Visit | $5 copay per visit | $5 $5 copay per visit | $0 copay per visit | ||||||||||||||||||
| Specialist Visit | $35 copay per visit | $35$30 copay per visit | $20 copay per visit | ||||||||||||||||||
| Inpatient Hospital | $330 copay per day for days 1–7 per admission*; You pay nothing per day for days 8-90 per admission*; $0 copay for each additional hospital day per admission* |
$330$290 copay per day for days 1–7 per admission; You pay nothing per day for days 8-90 per admission; $0 copay for each additional hospital day per admission |
$199 copay per day for days 1–5 per admission; You pay nothing per day for days 6-90 per admission; $0 copay for each additional hospital day per admission |
| Outpatient Hospital Services | $0-$330 copay* | $0-$315$0-$345 copay | $0-$200 copay |
| Ambulatory Surgical Centers | $0-$280 copay* | $0-$265$0-$295 copay | $0-$150 copay |
| Lab Services | $0 copay* | $0 copay | $0 copay |
| X-rays | $20 copay* | $15$20 copay | $5 copay |
| Emergency Room Visit | $130 copay Waived if admitted |
$130 $130 copay Waived if admitted |
$130 copay Waived if admitted |
| Ambulance | $420 copay per trip* | $420$350 copay per trip | $175 copay per trip |
| Many Preventive Wellness Services | $0 copay | $0 copay | $0 copay |
| Telehealth Primary Care Physician | $5 copay per visit | $5$5 copay per visit | $0 copay per visit |
| Telehealth Specialist | $35 copay per visit | $30$35 copay per visit | $20 copay per visit |
| Diabetic Supplies† | $0 copay* | $0 copay | $0 copay |
| Eye Exams | $0 copay for annual routine exam* & $35 copay for diagnostic exam* | $0 copay for annual routine exam & $30$35 copay for diagnostic exam | $0 copay for annual routine exam & $20 copay for diagnostic exam |
| Eyewear Allowance | $100 per calendar year* | $100 per calendar year | $100 per calendar year |
| Dental Allowance | $375 max per calendar year Preventive only | $500$680 max per calendar year Preventive and Comprehensive | $1,000 max per calendar year Preventive and Comprehensive |
| Hearing Exams | $0 copay for annual routine exam | $0 copay for annual routine exam | $0 copay for annual routine exam |
| Hearing Aids | $499/$699/$999 copay per hearing aid (one per ear, per year) |
$499/$699/$999 copay per hearing aid (one per ear, per year) |
$499/$699/$999 copay per hearing aid (one per ear, per year) |
| Maximum Out-of-Pocket Amount
|
$6,150 (in-network) | $5,900 (in-network) | $2,900 (in-network) |
| Medical Deductible | $285 | $0 | $0 |
| Drug Deductible
This is the most an individual will pay in a year for eligible health services. After paying this amount, your insurance policy will pay for all other covered services.
|
$325 (Tiers 3, 4 and 5) | $200 (Tiers 4 and 5)$370 (Tiers 3, 4 and 5) | $0 |
| Retail and Mail-Order Cost-Sharing Pharmacy Copays
|
|||
| Tier 1 - Preferred Generic | $0 | $0 | $0 |
| Tier 2 - Generic | $20 | $20 | $15 |
| Tier 3 - Preferred Brand | 18% | $47$45 | $42 |
| Tier 4 - Non-Preferred Drug | 30% | 47%44% | 35% |
| Tier 5 - Specialty Tier | 29% | 30%28% | 33% |
| Select Insulins (Tiers 3 & 4) | $35 | $35 | $35 |
†Only Ascensia (Contour) and Abbott (Freestyle) products are preferred with a $0 copay for up to 204 diabetic test strips for 30 days and glucometers at the pharmacy and through mail-order home delivery.
*The Blue Advantage Choice Medical Deductible does not apply to the following in-network services: Primary Care Physician, Physician Specialist, Occupational Therapy, Physical Therapy, Speech-Language Pathology, Mental Health Specialty and Psychiatric Services, Additional Telehealth Services, Medicare-covered Preventive Services, Medicare Part B Insulin, Emergency/Urgently Needed Services, Hospice, Preventive Dental, Annual Routine Hearing Exam, Hearing Aids and Fitting or Hearing Aids (in-network and out-of-network coverage only available through TruHearing providers). For additional information concerning the medical deductible, including out-of-network applicability, please refer to the Blue Advantage Choice Evidence of Coverage.
**Air medical transport services are provided through a contract with AirMed International, LLC, an independent company that does not provide Blue Cross and Blue Shield of Alabama products. Blue Cross is not responsible for any mistakes, errors or omissions that AirMed, its employees or staff members make. Air medical services terminate if coverage by your health plan ends.
***All content ©2025 TruHearing, Inc. All Rights Reserved. TruHearing® is a registered trademark of TruHearing, Inc. All other trademarks, product names, and company names are the property of their respective owners. Savings and retail pricing based on a survey of national average hearing aid prices of equivalent aids compared to pricing for TruHearing-branded aids. Actual savings may vary. Follow-up provider visits included for one year following hearing aid purchase. Free battery offer is not applicable to the purchase of rechargeable hearing aid models. Three-year warranty includes repairs and one-time loss and damage replacement. Hearing aid repairs and replacements are subject to provider and manufacturer fees. For questions regarding fees, contact a TruHearing Hearing Consultant.
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