2027 Plan HMO-POS

BlueCHiP for Medicare Essential

Essential may be right for you if you mainly use routine checkups and preventive care. With a $0 monthly premium and dependable coverage, it's a great option for those who don't expect to need frequent care and are comfortable with higher copays when they do.

Currently viewing 2027 plan details. Switch to 2026 Plan

What's included

Prescription drug coverage

$500 drug deductible, $0 Tier 1 & 2 copays

Dental

$0 preventive dental (up to $500/year); does not include coverage for crowns

Vision & hearing

$0 annual routine vision and hearing exams, plus a $100/year eyewear allowance and coverage for hearing aids

Fitness benefits

$0-$40/month fitness center membership

Medical benefits at a glance

PCP visit

Visits to in-network primary care provider

$0 copay
Specialist visit

$0-$50 copay per visit in-network

$0-$50 copay
Preventive care

In-network preventive screenings and exams

$0 copay
Emergency care

Emergency coverage available worldwide

$130 copay per visit
Outpatient surgery

Copay may be lower at in-network ambulatory surgery center

$0-$550 copay per visit
Inpatient hospital stay

Copay is per day for days 1-6 at in-network hospitals

$458 copay per day

For more details, download the Summary of Benefits below.

Prescription drug coverage

Prescription deductible
$500
Tier 1 (Preferred Generic)
$0 copay
Tier 2 (Non-preferred Generic)
$0 copay
Tier 3 (Preferred Brand)
25% coinsurance after deductible
Tier 4 (Non-preferred Drug)
30% coinsurance after deductible
Tier 5 (Specialty Tier)
28% coinsurance after deductible

Plan documents

2027 Summary of Benefits (coming soon)