Blue Medicare Essential (HMO)

Blue Medicare Essential (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 hearing ($499–$999 copay per hearing aid), over-the-counter (OTC) (OTC benefit ($0 copay)), fitness ($0 fitness benefit), and meals (Meal benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

The published 2027 monthly plan premium for Blue Medicare Essential (HMO) is $0. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $155. The listed Part D deductible is $700. The in-network medical out-of-pocket maximum is $9,850; it does not include Part D drug spending. Published visit costs include primary care $5 and specialist visits $50. These figures are plan data, not a personal yearly-cost estimate.

CMS lists Blue Medicare Essential (HMO) as a HMO plan. The plan record says specialist referrals are not required. 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.

Blue Medicare Essential (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 $4, Tier 3 at 21%, Tier 4 at 26%, and Tier 5 at 25%. The listed Part D deductible is $700. 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.

The current plan record for Blue Medicare Essential (HMO) lists hearing ($499–$999 copay per hearing aid). It also lists over-the-counter (OTC) (OTC benefit ($0 copay)). The current data does not list dental and vision as offered benefits. It also lists a Part B premium reduction of $36 per month. 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.

Blue Medicare Essential (HMO) is a 2027 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.