Need help? Call the Medicare Sales team at 1-800-505-2583 (TTY:711).
Come back at the start of the Annual Enrollment Period (October 15) to select and enroll in a plan.
2025
BlueCHiP for Medicare
Value

Monthly premium

$0.00
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With a $0 monthly premium, the Value (HMO-POS) plan fits any budget and comes with many added perks, like a Flexible Benefit Card and $0 gym membership and home fitness.

Consider this plan if a low monthly premium is important to you.

If you have a currently have a Value plan with ACCESS benefits, you must choose the new BlueCHiP for Medicare Access (HMO-POS) plan for 2025 if you wish to receive similar benefits. See the new Access plan.

Not sure what plan you need? Use the plan recommendation tool.

Medical

  • $0 monthly premium
  • $0 copay for PCP visits
  • $0 labs/X-rays
  • $30 specialist visits
  • $30 physical/speech/occupational therapy
  • Out-of-network coverage

Prescription Drugs

  • $0 drug deductible
  • $0 Tier 1 and $5 Tier 2 prescription copays
  • Discounted copays for a 100-day supply with Preferred Mail Order

Dental/Hearing/Vision

  • $0 for preventive and comprehensive dental
  • $2,000/year dental benefit maximum
  • $0 for routine hearing and vision screenings
  • 2 hearing aids, starting at $0, annually
  • Get $200/year for dental and hearing (Flexible Benefit Card)
  • Get $250/year for eyewear

Extras

  • $0 gym and home fitness benefit
  • Get $75/quarter over-the-counter (OTC) benefit for everyday health items (Flexible Benefit Card)

Qualify for a Low-Income Subsidy (Extra Help)?

See our BlueCHiP for Medicare Access (HMO-POS) plan

What's covered

See if your doctor and pharmacy are in the network

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Coverage
Copays & Details
Outpatient Care and Services1,2

Ambulance

$175/trip

Dental Services

Medicare-covered
In-network: 20% of the cost
Out-of-network: 20% of the cost

Preventive: $0
Comprehensive: $0

$2,000 limit on all covered dental services for preventive and comprehensive dental services. All preventive and comprehensive services must be provided by an in-network plan-contracted dentist.

Diabetes Supplies and Services

In-network: $0
Out-of-network: 20% of the cost

You must use OneTouch plan-designated monitors and test strips.

Diagnostic Tests, Lab and Radiology Services, and X-rays

In-network
$0 for lab services
$0 for diagnostic tests and X-rays
$150 for high-tech radiology services (for example, MRIs)

Out-of-network
20% of the cost

Emergency Care

$100 copay per visit

If you are admitted to the hospital within 24 hours, you do not have to pay your share of the cost for emergency care.

Hearing Services

Routine hearing
In-network: $0
Out-of-network: 20% of the cost

Non-routine hearing
In-network: $30 copay per visit
Out-of-network: 20% of the cost

Hearing aids
$0-$1,475 copay per hearing aid (2 aids every year)

Outpatient Hospital/Surgery

In-network
Up to $275 copay per visit for ambulatory surgical center-based services
Up to $350 copay per visit for hospital-based services

Out-of-network
20% of the cost

Primary Care Provider Visit

In-network: $0 PCP copay per visit
Out-of-network: 20% of the cost

Specialist Visit

In-network: $30 copay per visit
Out-of-network: 20% of the cost

Referral is required for specialist visits.

Vision Visit

Routine vision
In-network: $0
Out-of-network: 20% of the cost

Non-routine vision
In-network: $30 copay per visit
Out-of-network: 20% of the cost

Vision hardware
Our plan offers a $250/year allowance for vision hardware.

Preventive Care

In-network: $0
Out-of-network: 20% of the cost

Inpatient Care1,2

Inpatient Hospital Care

In-network: $350 copay per day for days 1-5, $0 Days 6+
Out-of-network: 20% of the cost

Skilled Nursing Facility (SNF)

In-network
$0 copay per day for days 1-20
$214 copay per day for days 21-45
$0 copay per day for days 46-100

Out-of-network
20% of the cost

Our plan covers up to 100 days in a SNF.

 
Standard
Prescription Deductible

No deductible

Initial Coverage (up to 30-day supply)3

Tier 1 (Preferred Generic)

$0 copay

Tier 2 (Non-preferred Generic)

$5 copay

Tier 3 (Preferred Brand)

$47 copay

Tier 4 (Non-preferred Drug)

40% coinsurance

Tier 5 (Specialty Tier)

33% of the cost

Mail Order (100-day Supply)

$0 for Tiers 1 and 2

Insulins (30-day Supply)

$35 copay

1 The out-of-pocket maximum includes only Medicare-covered services. This is the most a member would pay for these services during a calendar year. You must receive all routine care from plan providers unless you select the BlueCHiP for Medicare Value (HMO-POS), BlueCHiP for Medicare Enhanced (HMO-POS), BlueCHiP for Medicare Extra (HMO-POS), BlueCHiP for Medicare Preferred (HMO-POS), or the BlueCHiP for Medicare Access (HMO-POS) plan. If you select the BlueCHiP for Medicare Value, BlueCHiP for Medicare Enhanced (HMO-POS), BlueCHiP for Medicare Extra, BlueCHiP for Medicare Preferred, or the BlueCHiP for Medicare Access (HMO-POS) plan, with the exception of emergency or urgent care, ambulance, or dialysis services, it may cost more to get care from out-of-network providers.

2 A preauthorization may be required. Review may include but is not limited to pre-authorization and/or continued treatment by the plan and/or plan designee. Contact plan for details.

3 You must use network pharmacies to access your prescription drug benefit, except under non-routine circumstances, quantity limitations and restrictions may apply. Please refer to the Evidence of Coverage for prescription drug cost share information in a long-term care setting, mail order, and extended day retail supplies as well as detailed benefit information concerning the Initial Coverage stage and the Catastrophic level stage.