Premera Medicare Advantage Plans Reviews

checkmark Fact checked Contributing expert: Leron Moore, Medicare consultant - Updated: Sep 02, 2021

 

Is a Premera Blue Cross Medicare Advantage Plan a good fit for you?

Quick Premera Blue Cross Medicare Advantage Plans review: Premera Blue Cross Medicare Advantage Plans come with no medical deductible and nonexistent or modest premiums. However, out-of-pocket costs can stack up in some situations.

Premera Blue Cross is the largest health plan in the Pacific Northwest. This independent licensee of the Blue Cross Blue Shield Association offers Medicare Advantage Plans to 14 Washington counties. It features several options to accommodate a variety of customer preferences, but the selection is limited. It’s helpful to understand and compare the benefits and costs of these Premera plans so you can determine which best suits your needs before you enroll.

What do Premera Medicare Advantage Plans cover?

Premera Medicare Advantage Plans offer Original Medicare provisions, as other Medicare Advantage Plans do. Also, like other Medicare Advantage Plans, Premera’s plans may include additional health care benefits, including fitness programs and pharmacy, vision, and dental benefits. Most often, you’ll have to choose in-network health care providers.

Premera Blue Cross Homepage

What are Premera Medicare Advantage Plan options?

Premera has seven major Medicare Advantage Plans. Each plan is an HMO with no or a low premium and out-of-pocket costs. These plans require that you choose a primary care physician and other health providers in the plan’s network. You’ll likely need a referral from your primary care physician to see a specialist.

Premera’s Medicare Advantage Plans come with no annual medical deductible. In-person office visits range from $5 to $15 with a primary care physician and up to $50 with a specialist. Telehealth visits can be as low as $5 with a primary care physician and up to $45 with a specialist. Some plans have a $0 premium, while others can cost up to $191 per month. Annual maximum out-of-pocket costs range from $4,900 to $6,700.

Compare the Premera Blue Cross Medicare Advantage Plan options below:

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
Premera Blue Cross Medicare Advantage Peak + Rx (HMO) $0 None $15 primary/$50 specialist $10 primary/$45 specialist $90 (waived if admitted) $6,700
Premera Blue Cross Medicare Advantage (HMO)  $0 None $15 primary/$50 specialist $10 primary/$45 specialist $90 (waived if admitted) $6,300
Premera Blue Cross Medicare Advantage Sound + Rx (HMO) $40 None $10 primary/$50 specialist $5 primary/$45 specialist $90 (waived if admitted) $6,500
Premera Blue Cross Medicare Advantage Alpine (HMO) $42 None $10 primary/$50 specialist $5 primary/$45 specialist $90 (waived if admitted) $6,500
Premera Blue Cross Medicare Advantage Classic (HMO) $55 None $5 primary/$30 specialist $0 primary/$25 specialist $90 (waived if admitted) $5,000
Premera Blue Cross Medicare Advantage Charter + Rx (HMO) $151 None $10 primary/$35 specialist $5 primary/$30 specialist $90 (waived if admitted) $4,900
Premera Blue Cross Medicare Advantage Classic Plus (HMO) $191 None $10 primary/$40 specialist $5 primary/$35 specialist $90 (waived if admitted) $5,000

*Based on pricing in Seattle, WA 

Pros and cons of Premera Medicare Advantage Plans

What we like about Premera Medicare Advantage Plans:

  • No annual deductible
  • Vision coverage included

The drawbacks of Premera Medicare Advantage Plans:

  • Coverage limited to 14 counties in Washington
  • Only offers HMO options 

Premera Medicare Advantage Plans reviews and ratings

Premera earned a C- rating with the Better Business Bureau. The BBB has closed 25 complaints against the company in the last three years. Most of the grievances involved billing issues.

The National Committee for Quality Assurance rated two Premera plans. Each has an overall rating of 3 out of 5. Both plans rate 3 in treatment and customer satisfaction. One plan rates at 3.5 and the other rates at 3 in prevention. The NCQA has not accredited any of Premera’s plans.

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Contributing Expert:

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.