Blue Cross Blue Shield Medicare Advantage Review
Fact checked Contributing expert: Leron Moore, Medicare consultant - Published: May 31, 2021
Quick Blue Cross Blue Shield Medicare Advantage Plans review: Blue Cross Blue Shield offers a wide range of Medicare Advantage Plans with extensive benefits, but your experience may depend largely on where you live.
Blue Cross Blue Shield is an association of 35 independent, locally owned and operated health insurance companies across the United States. Combined, these companies insure one in three Americans, making the company one of the largest providers in the nation. Services are available in all 50 states, Washington, D.C., and Puerto Rico, and it contracts with over 1.7 million health care providers, which is more than any other insurance provider. To find out if a Blue Cross Blue Shield Medicare Advantage Plan is a good fit for you, review the company’s options and customer reviews.
What Do Blue Cross Blue Shield Medicare Advantage Plans Cover?
Like all Medicare Advantage Plans, the plans that Blue Cross Blue Shield offers cover all the benefits included in Original Medicare, along with some additional features such as vision and prescription drug coverage. Most plans are HMOs or PPOs, although Special Needs Plans for those with specific health considerations are available in some regions. Depending on your plan, you may need to choose a primary care physician or get a referral to see a specialist.
What Are Blue Cross Blue Shield Medicare Advantage Plan Options?
Blue Cross Blue Shield features a wide array of Medicare Advantage Plan options, with monthly premiums ranging from $0 to $84. All plans, including those with no monthly premium, have coverage for services such as vision, dental, and hearing, and some plans have Essential Extras that you can choose from to customize your coverage further. The reviewed HMO plans don’t have an annual deductible, but if you choose a PPO, you may have to meet a deductible before your plan pays for health services. Office visits range from $0-$60, depending on whether you stay in-network or see a primary care physician or a specialist.
These are some of the plans that you may choose from:
|Blue Cross Blue Shield Medicare Advantage Plans|
|Plan Name||Monthly premium||Annual medical deductible||Office visits||Telehealth||Emergency room||Annual maximum out-of-pocket cost|
|AnthemMediBluePlus (HMO)||$0||$0||$5 primary/$40 specialist||Not listed||$90||$4,900 in-network|
|AnthemMediBlueExtra (HMO)||$29.60||$0||$0 primary/$30 specialist||Not listed||$90||$6,700 in-network|
|AnthemMediBlueAccess Preferred (PPO)||$16||$0||In-network: $5 primary/$40 specialist Out-of-network: $45 primary/$60 specialist||Not listed||$90||In-network: $4,900 Combined In and out-of-network: $10,000|
|AnthemMediBlueAccess Basic (Regional PPO)||$84||$0 in-network $500 out-of-network||In-network: $10 primary/$40 specialist Out-of-network: $40 primary/$60 specialist||Not listed||$90||In-network: $6,400 Combined In and out-of-network: $10,000|
|AnthemMediBlueDual Advantage (HMO D-SNP)||$0||$0||$0 primary/$0 specialist||Not listed||$0||$7,550|
*Based on pricing in Indianapolis, IN
Pros and Cons of Blue Cross Blue Shield Medicare Advantage Plans
What we like about Blue Cross Blue Shield Medicare Advantage Plans:
- Diverse range of plans
- All plans include vision, hearing, and dental services
- Enhanced benefit upgrades are available
The drawbacks of Blue Cross Blue Shield Medicare Advantage Plans:
- Plans vary widely depending on geographic location
- Some plans have deductibles
Blue Cross Blue Shield Medicare Advantage Plans Reviews and Ratings
Blue Cross Blue Shield is an association of 35 independent, locally owned and operated health insurance companies, and their ratings and reviews vary widely.
The National Committee for Quality Assurance discloses midrange ratings for Blue Cross Blue Shield Medicare Advantage Plans. Of the four rated plans, three are rated 3.0, and one plan is rated 3.5 on a scale of 1 to 5.
The Better Business Bureau has separate ratings for each of Blue Cross Blue Shield’s insurance companies. Anthem Blue Cross Blue Shield Georgia has a BBB rating of A+ and has closed five consumer complaints in the last three years.
Consumer Affairs has 231 customer ratings for Blue Cross Blue Shield of Florida, with an average rating of 4 out of 5 stars.
- Featured Sources [-]
Blue Cross Blue Shield: The Blue Cross Blue Shield System | Last accessed May 2021
Anthem: Shop Medicare Plans | Last accessed May 2021
NCQA: NCQA Health Insurance Plan Ratings 2019-2020 | Last accessed May 2021
BBB: Anthem Blue Cross Blue Shield Georgia | Last accessed May 2021
Consumer Affairs: Blue Cross Blue Shield of Florida | Last accessed May 2021
Leron Moore, Medicare consultant
Leron Moore has guided Medicare beneficiaries and their families as a Medicare professional for nearly 15 years. First as a Medicare provider enrollment specialist, and now a Medicare account executive, Moore works directly with Medicare beneficiaries to ensure they understand Medicare and Medicare Advantage Plans.