BCBS Medicare Advantage Plans 2024

Are you seeking an all-encompassing healthcare plan that caters to your unique needs? BCBS Medicare Advantage Plans 2024 might just be the solution you’re looking for.

With comprehensive coverage, including prescription drug coverage, dental, vision, and hearing benefits, along with fitness and wellness programs, these plans aim to promote optimal health and well-being.

Join us as we dive deep to compare Medicare Advantage Plans, explore their benefits, compare options, and understand the enrollment process to help you make an informed decision.


Key Takeaways

  • BCBS Medicare Advantage Plans for 2024 offer comprehensive benefits and coverage options.
  • HMO plans provide lower costs, while PPO plans allow greater flexibility in healthcare provider selection.
  • BCBS Medicare Advantage Plans now include telehealth services, traveler network access, and tailored care for chronic conditions.

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BCBS Medicare Advantage Plans 2024: An Overview

Blue Cross 2024 Medicare Advantage Plans, offered by the Blue Shield Association through a Medicare contract, provide an extensive range of benefits and coverage options, ensuring comprehensive healthcare for its members.

With 3,959 Medicare Advantage plans available for individual enrollment, there is a multitude of choices for beneficiaries.

In fact, most Medicare Advantage plans include prescription drug coverage, with a striking 89% of these plans offering it, while 56% are HMO plans. It’s essential to evaluate your current Medicare Advantage plan to ensure it meets your needs and preferences.

Encompassing both Medicare Part A and Part B, BCBS Medicare Advantage Plans offer the following benefits for medicare beneficiaries:

  • An out-of-pocket maximum, ensuring that beneficiaries are not burdened with unlimited expenses
  • Additional benefits, such as unlimited hearing aid fittings
  • Fitness and wellness programs


Understanding the different aspects of BCBS Medicare Advantage Plans is vital for making an informed decision, given the diversity of options available.


BCBS Medicare advantage may offer additionaln benefits

Prescription Drug Coverage in BCBS Medicare Advantage Plans


One of the most significant advantages of BCBS Medicare Advantage Plans is their comprehensive prescription drug coverage. This can significantly impact the overall cost of healthcare, as medications often account for a large portion of out-of-pocket expenses. When selecting a plan, the copays and coinsurance rates associated with prescription drugs should be taken into consideration.

In 2024, 66% of MA-PDs will not impose an additional premium (apart from the Medicare Part B premium), and 99% of beneficiaries will have access to an MA-PD with no additional monthly premium, making it a year zero-dollar copay for many.


Dental, Vision, and Hearing Benefits


vision and dental

Dental, vision, and hearing benefits are integral components of most BCBS Medicare Advantage Plans, as they provide comprehensive coverage for essential health services. While dental services may vary according to the specific plan, vision care benefits typically include yearly examinations and allowances for eyewear.

As for hearing benefits, BCBS Medicare Advantage plans offer unlimited hearing aid fitting and hearing aid coverage.


Fitness and Wellness Programs

BCBS Fitness programPromoting a healthy lifestyle is a key focus of BCBS Medicare Advantage Plans, as they offer fitness and wellness programs to encourage preventive care. One such program is the SilverSneakers Fitness Program, which provides members with:

  • Access to exercise programs
  • Gym memberships
  • Fitness equipment
  • Discounts on wellness services


BCBS Medicare Advantage Plans inspire members to prioritize regular physical activity, healthier lifestyle choices, and overall well-being by providing these opportunities and support.

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Comparing BCBS Medicare Advantage Plan Options

Comparing BCBS Medicare Advantage Plan options is a pivotal step in finding the best fit for your healthcare needs.

Factors such as HMO vs. PPO plans and network access play a significant role in determining the right plan for you. By understanding the distinctions between these plans and the healthcare professionals available within their networks, you can make a more informed decision.

HMO vs. PPO Plans

HMO and PPO plans differ in terms of network access and flexibility. Here are the key differences:

  • HMO plans generally have a more restricted plan’s network of providers
  • PPO plans have a wider network
  • HMO plans require members to select a primary care physician (PCP) and obtain referrals for specialist care within the network
  • PPO plans allow members to visit any doctor or specialist without a referral.


HMO plans tend to have lower costs compared to PPO plans, offering fixed copays for physician visits and outpatient laboratory tests, low deductibles, and additional benefits such as dental, vision, and fitness coverage.

However, PPO plans provide greater flexibility and the freedom to visit any healthcare provider, both in-network and out-of-network, without needing a referral.

The coverage of out-of-network services and prescription drugs by PPO plans makes them a compelling option for individuals seeking greater flexibility in their healthcare choices.

4 types of Advantage plans
humana medicare advantage HMO plans

Health Maintenance Organizations (HMOs)

HMO plans typically getting your services from a primary care doctor that is within the plan’s network. 

If you require emergency care or urgent care outside of the plan’s network then you are likely covered (check with plan rules). Often HMOs may include prescription drug coverage built into the plan.  


Humana Medicare advantage PPO plans for 2025

Preferred Provider Organization (PPO)

Like HMOs, PPOs also have a network, but with a PPO you also have the option to visit doctors outside the network, though it could be at a higher cost.

Prescription drugs may also be covered in PPO plans. With a PPO, you do not need to choose a primary care doctor.

Medical costs are typically lower with a PPO plan if you use providers within the network.

Humana Private fee for service 2025 plans

Private Fee-for-Service Plans (PFFS)

PFFS plans are different than HMOs or PPOs, as the plan determines the amount it will pay doctors and providers. The participating doctors must agree to the terms of the plans.

Prescription drug coverage may be included in the PFFS plan in some cases, however, if not you may enroll in a separate Medicare Part D prescription drug plan.

With a PFFS plan, you may visit any Medicare-approved doctor health care provider, or hospital that approves the plan’s payment terms and agrees to see you, that has not opted out of Medicare. You may see a provider outside of the network but you may have to pay more.

humana SNP plans

Special Needs Plans (SNPs)

Special Needs Plans are an option for people with specific qualifying health issues.  

You may qualify for one of these plans for conditions such as:

  • Alcohol dependence
  • Various autoimmune disorders
  • End-stage renal disease (ESRD) requiring dialysis
  • HIV/Aids
  • Many more. Call us for more information on these plans and to see if you qualify

Enrollment and Eligibility for BCBS Medicare Advantage Plans

Enrollment and eligibility for BCBS Medicare Advantage Plans depend on factors such as age, residency, and current Medicare coverage.

To be eligible, one must have both Medicare Part A and Medicare Part B, reside in one of the service areas covered by BCBS Medicare Advantage Plans, and continue to pay their Part B insurance premium.

The minimum age requirement for enrollment is 65 years and above, and applicants must be U.S. citizens or permanent legal residents who have resided in the United States.


Managing Costs with BCBS Medicare Advantage Plans

Managing costs with BCBS Medicare Advantage Plans is a primary concern for many individuals.

By comparing premiums, copays, and out-of-pocket expenses, you can find the most affordable option for your healthcare needs.

The anticipated average monthly plan premium among all Medicare Advantage enrollees in 2024 is $18.50.

Premiums will vary across different BCBS Medicare Advantage Plans based on the specific plan, hence contacting BCBS or referring to their website for plan information and premiums is advised.

Copays also play a significant role in the total cost of BCBS Medicare Advantage Plans, as they are often required for services and can contribute to out-of-pocket expenses. Grasping the out-of-pocket expenses like:

  • deductibles
  • copayments
  • coinsurance for medical services
  • prescription drugs


Understanding the details of your contract renewal can aid in making an informed decision while choosing a plan.


Telehealth Services and BCBS Medicare Advantage Plans

Telehealth services are increasingly available in BCBS Medicare Advantage Plans, providing convenient access to healthcare professionals and improving patient outcomes.

In 2020, Medicare Advantage plans were authorized to include telehealth benefits in their basic benefit package. This exceeds what was permissible under traditional Medicare before the outbreak of the COVID-19 pandemic.

To access telehealth services under BCBS Medicare Advantage Plans, beneficiaries can avail themselves of the telehealth coverage provided by BCBS companies.

Healthcare providers offering telehealth services must ensure they are providing appropriate medical services and using HIPAA-compliant platforms.


Traveler Network and Personal Choice

The Traveler Network and Personal Choice options in BCBS Medicare Advantage Plans provide added flexibility for those who frequently travel or desire more liberty in selecting healthcare providers.

The Traveler Network provides access to a broad range of medical providers, hospitals, and clinics, ensuring members can receive medical care and services even when they are outside their local area.

Personal Choice, on the other hand, allows beneficiaries to:

  • Select their healthcare providers and services from within the plan’s network
  • Have more control and flexibility in managing their healthcare requirements
  • Access healthcare services from providers of their choice, without being restricted to a particular network


Chronic Condition Support in BCBS Medicare Advantage Plans

Chronic condition support is a key feature of BCBS Medicare Advantage Plans, providing tailored care and resources for individuals with specific health needs. BCBS Medicare Advantage plans cover a range of chronic conditions, including:

  • Diabetes
  • High blood pressure (hypertension)
  • Chronic obstructive pulmonary disease (COPD)
  • Heart failure

among others.

BCBS Medicare Advantage offers Chronic Special Needs Plans (SNPs) specifically designed for individuals living with the following conditions:

  • Diabetes
  • Lung disorders
  • Cardiovascular disorders
  • Chronic heart failure
  • End-stage conditions

These plans provide specialized services, treatments, and benefits to assist in managing and supporting patients with chronic diseases, including Medicaid services.

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In conclusion, BCBS Medicare Advantage Plans 2024 offer comprehensive coverage, encompassing prescription drug coverage, dental, vision, and hearing benefits, as well as fitness and wellness programs.

By comparing plan options, considering factors like HMO vs. PPO plans, network access, and healthcare professionals, individuals can make informed decisions that best suit their healthcare needs.

As healthcare continues to evolve, BCBS Medicare Advantage Plans provide a robust and flexible solution for beneficiaries. With tailored care for chronic conditions and options for travelers and those seeking more freedom in provider choice, BCBS Medicare Advantage Plans remain a valuable resource in ensuring optimal health and well-being.


Frequently Asked Questions


What are the changes to Medicare Advantage plans in 2024?

In 2024, average monthly premiums for Medicare Advantage plans (including prescription drug plans) are expected to increase from $17.86 in 2023 to $18.50. However, nearly 73 percent of enrollees will not see any premium increase and 19% of plans will offer a reduction in the Part B premium. In addition, MA-PDs will be required to provide an adequate network of behavioral healthcare providers for mental health needs.


Is Medicare premiums going down in 2024?

Medicare Part B premiums and deductibles are set to increase in 2024, with the standard monthly premium going up to $174.70, an increase of $9.80 from $164.90 in 2023. The annual deductible will also increase to $240 from $226 in 2023. Therefore, Medicare premiums are not going down in 2024.


What is the deductible for Medicare in 2024?

The Medicare Part A deductible for 2024 is $1,632 and the Part B deductible is $240. Deductibles may vary according to individual plans for Medicare Advantage and prescription drug coverage.


What is the best Medicare plan that covers everything?

The best Medicare plan that covers everything is a Medicare Advantage Plan. It provides comprehensive coverage and often includes additional benefits not found in Original Medicare.


What additional benefits are included in BCBS Medicare Advantage Plans?

BCBS Medicare Advantage Plans include additional benefits such as dental, vision, and hearing coverage, fitness and wellness programs, and chronic condition support.

New to Medicare?

If you are new to Medicare, then you can enroll in a Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call us today to get help from one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. 


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 ZRN Health & Financial Services, LLC, a Texas limited liability company

Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.