Medicare Advantage · HMO
Blue Cross Blue Shield of Arizona (AZ Blue)
Plan year 2026

Blue Best Life Classic H0302-008 (HMO)

4.5 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$0
+ your Part B premium
Max out-of-pocket
$2,800
in-network annual cap
Primary care
$0
per visit copay
Specialist
$8
per visit

Your costs at a glanceIn-network, for the 2026 plan year

Rx deductible
$385
Inpatient hospital
Days 1-5: $150/day, Days 6-90: $0/day
Inpatient mental health
Days 1-5: $150/day, Days 6-90: $0/day
Outpatient surgery
$8
–$165
Emergency room
$135
Urgent care
$25

What's included, and what it's actually worth5 benefits included. Tap any card for the detail

Hearing

$699–$999copay per hearing aid
Details$699–$999 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

OTC allowance

$80/quarter OTC allowance
Prepaid card$80/quarter OTC allowance

Vision

$200/yr eyewear allowance
Eyewear allowance$200/yr eyewear allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.
See more details about this plan
Doctor Visits: PCP$0 copay
In-network$0 copay per visit
Doctor Visits: Specialist$8 copay
In-network$8 copay per visit
Inpatient Hospital$150/day, days 1–5
In-networkDays 1-5: $150/day, Days 6-90: $0/day
Outpatient Surgery$8–$165
In-network$8–$165 per procedure
Mental HealthDays 1-5: $150/day, Days 6-90: $0/day
Inpatient psychiatricDays 1-5: $150/day, Days 6-90: $0/day
DentalPreventive dental (cost sharing varies by service)
DetailsPreventive dental (cost sharing varies by service)
This is a supplemental benefit with plan-specific limits. See plan documents for details.
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Your plan's drug tiers30-day retail · after any applicable deductible

Tier 1
$0
Preferred Generic
Tier 2
$9
Generic
Tier 3
$47
Preferred Brand· after deductible
Tier 4
$100
Non-Pref Brand· after deductible
Tier 5
28%
Specialty· after deductible
Tier 6
$0
Tier 6· after deductible

Our take

Where this plan shines

This plan has a $0 monthly premium.
This plan’s out-of-pocket maximum ($2,800) is among the lowest available.
See your primary doctor for $0.
The specialist copay ($8) is among the more affordable options.
Highly rated by CMS (4.5 stars).

Things to know before you enroll

Network restriction — you’ll need to use in-network providers except in emergencies.
Limited coverage while traveling outside the plan’s service area.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about Blue Best Life Classic (HMO)

What does Blue Best Life Classic (HMO) cover?

Blue Best Life Classic (HMO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 6 formulary tiers. Published supplemental benefits include dental (Preventive dental (cost sharing varies by service)), vision ($200/yr eyewear allowance), hearing ($699–$999 copay per hearing aid), and over-the-counter (OTC) ($80/quarter OTC allowance). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does Blue Best Life Classic (HMO) cost in 2026?

The published 2026 monthly plan premium for Blue Best Life Classic (HMO) is $0. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The listed Part D deductible is $385. The in-network medical out-of-pocket maximum is $2,800; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $8. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with Blue Best Life Classic (HMO)?

CMS lists Blue Best Life Classic (HMO) as a HMO plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Check your doctors

Does Blue Best Life Classic (HMO) cover my prescriptions?

Blue Best Life Classic (HMO) has 6 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $9, Tier 3 at $47, Tier 4 at $100, and Tier 5 at 28%. The listed Part D deductible is $385. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does Blue Best Life Classic (HMO) include?

The current plan record for Blue Best Life Classic (HMO) lists dental (Preventive dental (cost sharing varies by service)), vision ($200/yr eyewear allowance), and hearing ($699–$999 copay per hearing aid). It also lists over-the-counter (OTC) ($80/quarter OTC allowance). Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

When can I enroll in Blue Best Life Classic (HMO)?

Blue Best Life Classic (HMO) is a 2026 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

More plan options

Browse the full 2026 Medicare Advantage with drug coverage directory. This plan is offered in Arizona. Plan availability can vary by county.

Helpful next steps

Blue Best Life Classic H0302-008 (HMO) — 2026 Costs & Benefits