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Blue Medicare Freedom+ (PPO)

Medicare Advantage Health Plan Details

Health insurance company offering plan: Blue Cross and Blue Shield of North Carolina

Blue Cross and Blue Shield of North Carolina
$0 /mo
monthly premium
Blue Medicare Freedom+ (PPO)
Additional Coverage
Overall Star Rating (2026)
    4.5
    out of 5 stars

    General Plan Details

    Medical Deductible
    $0
    Out-of-Pocket Maximum
    $9250
    Rx Drug Coverage
    No
    Rx Deductible
    $0
    Primary Doctor Office Visit
    20% coinsurance
    Specialist Office Visit
    20% coinsurance

    Additional Benefits

    Dental Coverage
    No
    Vision Coverage
    No
    Mental Health Coverage
    Yes
    Transportation for non-emergency
    No
    Fitness Benefits
    Yes
    Worldwide emergency
    No
    Telehealth
    Yes
    Part B Premium Reduction
    Yes $100 annually

    Doctor & Hospital Coverage

    Primary Doctor Office Visit
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Specialist Office Visit
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Periodic Exam Coverage
    In-network: $0 copay
    Out-of-network: $0 copay

    Emergency Room

    $115 copay

    Ambulance Coverage

    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance

    Lab, X-Ray, Radiology Coverage

    Diagnostic tests & procedures:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Lab services:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Diagnostic radiology services (e.g., CT, MRI, etc):
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Outpatient x-rays:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance

    Hospital Services

    Inpatient hospital coverage:
    In-network:
      Tier 1
      $838 Lifetime Reserve Days for days 1-60
      $2230 per stay
    Out-of-network:
      40% per stay
    Outpatient hospital coverage:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance

    Rehabilitation Coverage

    Occupational therapy services:
    In-network: $30 copay
    Out-of-network: 40% coinsurance

    Urgent Care Coverage

    $115 copay

    Skilled Nursing Facility (SNF)

    In-network:
      Tier 1
      $0 per day for days 1-20
      $218 per day for days 21-60
      $0 per day for days 61-100
    Out-of-network:
      40% per stay

    Mental Health Coverage

    Outpatient group therapy with a psychiatrist:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Outpatient individual therapy with a psychiatrist:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Outpatient group therapy visits:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance
    Outpatient individual therapy visit:
    In-network: 20% coinsurance
    Out-of-network: 40% coinsurance

    Dental, Vision, Hearing Benefits

    Additional Added Benefits

    Annual physical exams
    Yes
    Chiropractic Coverage
    No
    Acupuncture
    No
    Massage Therapy
    No
    Health Education
    No
    Counseling Services
    No
    Support for Caregivers of Enrollees
    Yes
    Personal Emergency Response System (PERS)
    Yes
    In-home support services
    Yes
    Home and bathroom safety devices
    No
    Meals for short duration
    Yes

    Plan Links

    Plan Link
    Doctor Lookup
    Drug Link

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    Where This Plan is Available

    State:
    North Carolina
    Counties:
    Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Burke, Cabarrus, Caldwell, Camden, Carteret, Caswell, Catawba, Chatham, Cherokee, Chowan, Clay, Cleveland, Columbus, Craven, Cumberland, Currituck, Dare, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Graham, Granville, Greene, Guilford, Halifax, Harnett, Haywood, Henderson, Hertford, Hoke, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Lenoir, Lincoln, Macon, Madison, Martin, Mcdowell, Mecklenburg, Mitchell, Montgomery, Moore, Nash, New Hanover, Northampton, Onslow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Rutherford, Sampson, Scotland, Stanly, Stokes, Surry, Swain, Transylvania, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin, Yancey
    View all plans in your North Carolina County

    Additional Plan Info

    Plan Year:
    2026
    Insurance Company Website:
    Blue Cross and Blue Shield of North Carolina

    Health Insurance Companies Offering Plans

    Medicare Advantage and Part D plans and benefits offered by the following insurance companies:

    • Aetna Medicare
    • Anthem Blue Cross Blue Shield
    • Anthem Blue Cross
    • Anthem Blue Cross and Blue Shield
    • Aspire Health Plan
    • Baylor Scott & White Health Plan
    • Capital Blue Cross
    • Cigna Healthcare
    • Dean Health Plan
    • Devoted Health
    • Florida Blue Medicare
    • Freedom Health
    • GlobalHealth
    • Health Care Service Corporation
    • Healthy Blue
    • HealthSun
    • Humana
    • Molina Healthcare
    • Mutual of Omaha
    • Medica Central Health Plan
    • Optimum HealthCare
    • Premera Blue Cross
    • SCAN Health Plan
    • Simply
    • UnitedHealthcareⓇ
    • Wellcare
    • WellPoint