With millions of baby boomers trying to decide on the best Medicare Advantage plan, the Freedom Blue Regional PPO plan from Anthem Blue Cross is one of the most popular MAPD plans. It has proven to bring the most value to seniors who want flexible PPO coverage at a low cost. In fact the Freedom Blue is a no-cost MAPD available to seniors in some states.
The Blue Cross Freedom Blue plan is a versatile, zero cost PPO Advantage plan that offers an embedded prescription drug plan (Part D) at no additional cost. You will have access to one of the largest PPO networks in the state, with thousands of Doctors and Hospitals available to you.
All of these generous benefits are available in addition to set co-pays for all of your Doctor Visits, including specialists and 4-Tier Prescription Drug List. The plan does have a $320 annual deductible but mostly applies to Inpatient and Outpatient services.
What about Hospitalization?
Well you will have peace of mind in knowing that you have a set co-pay. The co-pay for a hospitalization would be $850 unlike Original Medicare, the co-pay for your hospital stay is over $1100 and it's per occurrence! With Freedom Blue, if you are hospitalized more than once for the same condition or illness in the same year, the co-pay no longer applies.
For those of you who like to stay active you will have access to the Silver Sneakers program which allows free memberships at participating fitness centers across the country. You can also purchase optional Dental, Vision, Chiropractic and Acupuncture benefits for a low monthly cost.
All of these great features and benefits for little to no cost - now that is value! So if you are like most retirees I talk to everyday that are on a low or fixed income, or if you are in great health and you never go to the Doctor, the Blue Cross Freedom Blue plan is perfect for you! This way you only spend your hard earned money when you really have to use your benefits.
Also, with the Annual Open Enrollment (AEP) for 2012 right around the corner, now is the time to start reviewing your options. Many people will be looking to switch from their current restrictive HMO Advantage plans and new Medicare enrollees will be considering the Anthem Blue Cross Freedom Blue PPO plan the best value; making it their number one choice for a Medicare Advantage Plan.
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