Blue Medicare Freedom+ (PPO)
BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA · 2026 plan year
Plan ID H3404-004-000
Local PPO★ 4.5 CMS Stars
- MOOP (in-network)
- $9,250
- MOOP (combined)
- $13,900
- Monthly premium
- $0/mo
- Prescription drugs
- Not included
This plan in 2027
Plan information
- Contract / Plan / Segment
- H3404-004-000
- Medical deductible
- $0 — no deductible
- Also owed
- Your Medicare Part B premium, paid separately
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Benefits & cost sharing
Hospital
| Benefit | In-network |
|---|---|
| Inpatient Hospital — Acute | $2,230 per stay |
| Inpatient Hospital — Psychiatric | $2,080 per stay |
Pharmacy
| Benefit | In-network |
|---|---|
| Part B Drugs | See plan details |
| Chemotherapy & Radiation Drugs (Part B) | 0%-20% coinsurance |
| Other Part B Drugs | 0%-20% coinsurance |
Mental Health
| Benefit | In-network |
|---|---|
| Mental Health Specialty Services | See plan details |
| Mental Health — Individual Sessions | 20% coinsurance |
| Mental Health — Group Sessions | 20% coinsurance |
| Supplemental Health Benefits | See plan details |
Other
| Benefit | In-network |
|---|---|
| Skilled Nursing Facility (SNF) | $0/day for days 1–20, $218/day for days 21–60, $0 after |
| Cardiac & Pulmonary Rehabilitation | See plan details |
| Cardiac Rehabilitation — Additional Sessions | $30 |
| Intensive Cardiac Rehabilitation — Additional Sessions | $40 |
| Pulmonary Rehabilitation — Additional Sessions | $25 |
| Supervised Exercise Therapy (SET) | $20 |
| Emergency Services | $115 |
| Urgently Needed Services | $40 |
| Partial Hospitalization Program | 20% coinsurance |
| Intensive Outpatient Program (IOP) | 20% coinsurance |
| Home Health Services | No charge |
| Primary Care Physician Services | 20% coinsurance |
| Chiropractic Services | $15 |
| Occupational Therapy Services | $30 |
| Physician Specialist Services | 20% coinsurance |
| Podiatry Services | 20% coinsurance |
| Other Health Care Professional Services | 20% coinsurance |
| Psychiatric Services | See plan details |
| Psychiatric Services — Individual Sessions | 20% coinsurance |
| Psychiatric Services — Group Sessions | 20% coinsurance |
| Physical Therapy & Speech-Language Pathology | $30 |
| Additional Telehealth Services (Part B) | 0%-20% coinsurance |
| Opioid Treatment Program Services | 20% coinsurance |
| Diagnostic Tests & Lab Services | See plan details |
| Diagnostic Procedures & Tests | 20% coinsurance |
| Laboratory Services | 20% coinsurance |
| Radiological Services | See plan details |
| Diagnostic Radiology | 20% coinsurance |
| Therapeutic Radiology | 20% coinsurance |
| X-Ray Services | 20% coinsurance |
| Outpatient Hospital Services | 20% coinsurance |
| Hospital Observation Services | 20% coinsurance |
| Ambulatory Surgical Center (ASC) | 20% coinsurance |
| Outpatient Substance Abuse Services | See plan details |
| Substance Abuse — Individual Sessions | 20% coinsurance |
| Substance Abuse — Group Sessions | 20% coinsurance |
| Outpatient Blood Services | 20% coinsurance |
| Ambulance Services | See plan details |
| Ground Ambulance | 20% coinsurance |
| Air Ambulance | 20% coinsurance |
| Non-Emergency Transportation — Any Health Location | No charge |
| Durable Medical Equipment (DME) | 20% coinsurance |
| Prosthetics & Orthotics | See plan details |
| Prosthetic Devices | 20% coinsurance |
| Medical Supplies | 20% coinsurance |
| Diabetic Supplies & Services | See plan details |
| Diabetic Therapeutic Shoes & Inserts | 20% coinsurance |
| Dialysis Services | 20% coinsurance |
| Over-the-Counter (OTC) Items | No charge |
| Meal Benefit | No charge |
| Medicare-Covered Preventive Services | See plan details |
| Annual Physical Exam | No charge |
| Smoking & Tobacco Cessation Counseling | No charge |
| Fitness Benefit | No charge |
| Personal Emergency Response System (PERS) | No charge |
| In-Home Support Services | No charge |
| Caregiver Support Services | No charge |
| Kidney Disease Education Services | No charge |
| Glaucoma Screening | No charge |
| Diabetes Self-Management Training | No charge |
| Digital Rectal Exams | No charge |
| Welcome to Medicare EKG | No charge |
| Insulin (Part B) | $35 |
| Dental — Medicare-Covered Services | 20% coinsurance |
| Vision — Eye Exams | 20% coinsurance |
| Vision — Eyewear | No charge |
| Hearing — Exams | 20% coinsurance |
| Diabetic Supplies | 20% coinsurance |
Service area
- NC: 100 counties
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