bcbs advantage alabama Medicare Advantage Plan Details and Features

The BCBS Advantage Alabama Medicare Advantage Plan is a great option for those looking for comprehensive coverage. It's a Medicare-approved plan that combines Parts A and B, plus additional benefits.

One of the standout features of this plan is the wide range of health and wellness programs available. These programs are designed to help you maintain your health and prevent illness.

You'll have access to a network of providers, including primary care physicians and specialists. This network is designed to make it easy to find a doctor who fits your needs.

The plan also offers a range of prescription medication coverage, with copays as low as $0 for certain medications.

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Comprehensive Coverage is a top priority for Blue Advantage Alabama. With over 90% of doctors and every Alabama hospital in the network, it's easy to get the in-network doctor you want.

You can use providers outside the network, giving you the flexibility to choose the care you need. This flexibility is especially important when you're traveling or need to see a specialist.

Many health screenings, immunizations, and preventive services are covered with no out-of-pocket cost, making it easier to stay on top of your health. Over 23,000 prescription medications are covered, and you can easily look up your current medications to see if they're on the list.

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You can see a doctor without a referral, which is convenient if you have a specific condition you want to address. This means you can get the care you need without having to jump through hoops.

With over 90% of doctors and every Alabama hospital in the Blue Advantage network, it's easy to find an in-network doctor. This network is pretty comprehensive, so you're likely to find a doctor who fits your needs.

You won't have to pay a thing for many health screenings, immunizations, and other preventive services that are recommended by Medicare. This is a big plus, as it can help you stay healthy and catch any potential issues early on.

Prescription drug coverage is also available, which can help you manage any chronic conditions you may have.

Blue Advantage plans have over 1,000+ network pharmacies in Alabama, making it convenient for you to save money.

You can find ways to pay the least amount for your prescriptions with Rx Savings Solutions by clicking here.

Over 23,000 prescription drugs are covered under your plan, including generic, brand-name, and specialty drugs.

Your plan's formulary, which includes all covered medications, is updated monthly and is available online for your convenience.

Each covered drug is assigned to a cost-sharing Tier, which determines the amount you pay.

You can find your medications and assigned cost-sharing tiers by clicking below.

Emergency care is available to you whenever you need it, anywhere in the United States or its territories. Our plan covers ambulance services in situations where getting to the emergency room any other way could endanger your health.

If you have a medical emergency, we will talk with the doctors who are giving you emergency care to help manage and follow up on your care. The doctors who are giving you emergency care will decide when your condition is stable and the medical emergency is over.

You may get covered, emergency, medical care whenever you need it, anywhere in the United States or its territories. Our plan covers ambulance services in situations where getting to the emergency room any other way could endanger your health.

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If you have an emergency, we will cover your follow-up care to be sure your condition continues to be stable. Your follow-up care will be covered by our plan.

Here are some key things to know about emergency care:

You can quickly find Blue Advantage providers in your area by searching the directory. This will give you a list of in-network providers nearest your home.

To receive the hard copy provider directory in an alternative format, such as large print, braille, or audio, contact Member Services. They'll take care of getting it to you.

Out-of-network providers are under no obligation to treat Blue Advantage members, except in emergency situations.

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The cost of BCBS Advantage Alabama varies depending on your age, location, and the type of plan you choose. It's around $100-200 per month for a single person, but can be lower or higher depending on your specific situation.

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You may be eligible for financial assistance, such as subsidies or Medicaid, which can help lower your costs. This can bring your monthly premium down to as low as $0.

BCBS Advantage Alabama offers a range of benefits, including preventive care services, such as annual physicals and screenings, which are covered at 100% with no copayment or coinsurance.

If you're concerned about your hearing and vision, a BCBS Medicare Advantage plan may provide the level of benefits you need.

You can get a $0 copay for an annual routine vision exam, which is a great opportunity to catch any potential issues early on.

The plan also offers a $100 eyewear allowance per calendar year, which can help you stay on top of your vision care needs.

Hearing exams and hearing aids are also covered, giving you peace of mind and helping you stay connected with loved ones.

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One of the great perks of our plan is the Fitness Allowance, which can help you stay active and healthy. You'll receive $90 every three months to spend on fitness activities.

This allowance will be loaded onto a FlexCard that's mailed to you at enrollment. You can use this card to join one of the over 1,000 health clubs in Alabama that participate in the program.

The best part is that you can use your FlexCard to join a gym or fitness studio that suits your needs and preferences. Any unused amount will not carry over to the next quarter, so be sure to use it before it expires.

Here are the details of the Fitness Allowance at a glance:

Medicare Advantage plans require you to pay your Part B insurance premium every month.

You might also have to pay a separate monthly insurance premium for your Medicare Advantage plan.

Some plans have deductibles, so you'll need to pay a certain amount out-of-pocket before your insurance kicks in.

A copayment may apply to specific services, such as doctor office visits.

Cost sharing amounts may apply to specific services, adding to your overall expenses.

All Medicare Advantage plans have an annual limit on your out-of-pocket expenses, providing predictability for your budget.

This means you'll never have to worry about surprise medical bills or unexpected expenses.

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Medicare Advantage plans offer a more comprehensive coverage compared to Original Medicare. They include both Part A and Part B benefits, which cover hospital stays and doctor visits.

Part C plans also provide additional services such as wellness programs, hearing aids, and vision services. These services are often available with lower cost sharing.

With a Medicare Advantage plan, you'll have an annual out-of-pocket maximum, which means you won't have to pay more than a certain amount for your healthcare expenses in a year.

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