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Freedom Blue PPO Standard (PPO)

H3916 - 015 - 0
4.5 out of 5 stars (4.5 / 5)

Freedom Blue PPO Standard (PPO) is a Medicare Advantage Plan by Highmark Blue Cross Blue Shield or Highmark Blue Shield.

This page features plan details for 2025 Freedom Blue PPO Standard (PPO) H3916 – 015 – 0 available in Central and Northeastern PA.

Locations

Freedom Blue PPO Standard (PPO) is offered in the following locations.

Adams County, Pennsylvania
Berks County, Pennsylvania
Bradford County, Pennsylvania

Click to see more locations

Plan Overview

Freedom Blue PPO Standard (PPO) offers the following coverage and cost-sharing.

Insurer:Highmark Blue Cross Blue Shield or Highmark Blue Shield
Health Plan Deductible:$0
MOOP:$8,950 In and Out-of-network
$5,000 In-network
Drugs Covered:Yes

Ready to sign up for Freedom Blue PPO Standard (PPO) ?

Get help from a licensed insurance agent.

Call 1-877-354-4611 / TTY 711.

M-F: 8:00 am – 10:00 pm EST

Sat-Sun: 8:00 am – 9:00 pm EST

Premium Breakdown

Freedom Blue PPO Standard (PPO) has a monthly premium of $134.00. This amount includes your Part C and D premiums but does not include your Part B premium. The following is a breakdown of your monthly premium with Part B costs included.
Part B Part C Part D Part B Give Back Total
$185.00 $41.70 $92.30 $ $
Please Note:
  • Your Part B premium may differ based on factors including late enrollment, income, and disability status.
  • You may also qualify for “Extra Help” on drug costs. See the Part D Premium Reduction section below for more details.

Drug Info

Freedom Blue PPO Standard (PPO) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.

Drug Deductible: $0.00
Drug Out-Of-Pocket maximum: $2,000.00
Drug Benefit Type: Enhanced Alternative

Part D Premium Reduction

The Low-Income Subsidy (also known as LIS or “Extra Help”) helps people with Medicare lower the cost of prescription drugs.

The table below shows how the LIS impacts the Part D premium of this plan.

Part DLIS Full
$92.30$52.00

Initial Coverage Phase

After you pay your $0.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $2,000.00. Once you reach that amount, you will enter the next coverage phase.

Catastrophic Coverage Phase

After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $2,000.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit. Please note, that this plan has a Enhanced Alternative benefit type.

Additional Benefits

Freedom Blue PPO Standard (PPO) also provides the following benefits.

Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?

    • In-Network: No

Comprehensive Dental

  • Adjunctive General Services
    • In-Network: No Coins – No Co pay
    • Out-of-Network: 30% Coins – No Copay

Diagnostic and Preventive Dental

  • Dental X-Rays
    • In-Network: No Coins – – Copay
    • Out-of-Network: 30% Coins – No Copay
  • Oral Exams
    • In-Network: No Coins – – Copay
    • Out-of-Network: 30% Coins – No Copay
  • Prophylaxis (cleaning)
    • In-Network: No Coins – – Copay
    • Out-of-Network: 30% Coins – No Copay

Diagnostic procedures/lab services/imaging

  • Diagnostic radiology services (e.g., MRI)
    • In-Network: $125 copay (Authorization Required)
  • Outpatient x-rays
    • Out-of-Network: $20 copay (Authorization Required)
  • Diagnostic radiology services (e.g., MRI)
    • Out-of-Network: $125 copay (Authorization Required)
  • Diagnostic tests and procedures
    • In-Network: $0-15 copay (Authorization Required)
  • Lab services
    • Out-of-Network: $15 copay (Authorization Required)
  • Outpatient x-rays
    • In-Network: $20 copay (Authorization Required)
  • Lab services
    • In-Network: $0-15 copay (Authorization Required)
  • Diagnostic tests and procedures
    • Out-of-Network: $15 copay (Authorization Required)

Doctor visits

  • Primary
    • In-Network: $0 copay
    • Out-of-Network: $0 copay
  • Specialist
    • In-Network: $35 copay per visit
    • Out-of-Network: $35 copay per visit

Emergency care/Urgent care

  • Urgent care
    • $5 copay per visit (always covered)
  • Emergency
    • $125 copay per visit (always covered)

Foot care (podiatry services)

  • Foot exams and treatment
    • In-Network: $35 copay
    • Out-of-Network: $35 copay
  • Routine foot care
    • In-Network: $35 copay (Limits Apply)

Ground ambulance

    • In-Network: $215 copay
    • Out-of-Network: $215 copay or 30% coinsurance

Health plan deductible

    • $0

Hearing

  • Medicare-Covered Hearing Exam
    • In-Network: $35 copay
    • Out-of-Network: $35 copay
  • Fitting/evaluation
    • Not covered
  • Hearing aids
    • Out-of-Network: $0 copay (Limits Apply)
  • Hearing aids OTC
    • Not covered
  • Hearing aids
    • In-Network: $599-899 copay (Limits Apply)

Inpatient hospital coverage

    • Out-of-Network: $475 per stay (Authorization Required)
    • In-Network: $475 per stay (Authorization Required)

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)

    • $8,950 In and Out-of-network
      $5,000 In-network

Medical equipment/supplies

  • Durable medical equipment (e.g., wheelchairs, oxygen)
    • In-Network: 20% coinsurance per item (Authorization Required)
  • Prosthetics (e.g., braces, artificial limbs)
    • In-Network: 20% coinsurance per item (Authorization Required)
  • Diabetes supplies
    • In-Network: 0-20% coinsurance per item (Authorization Required)
    • Out-of-Network: 30% coinsurance per item (Authorization Required)
  • Durable medical equipment (e.g., wheelchairs, oxygen)
    • Out-of-Network: 30% coinsurance per item (Authorization Required)
  • Prosthetics (e.g., braces, artificial limbs)
    • Out-of-Network: 30% coinsurance per item (Authorization Required)

Medicare Part B drugs

  • Other Part B drugs
    • In-Network: 0-20% coinsurance (Authorization Required)
  • Chemotherapy
    • In-Network: 0-20% coinsurance (Authorization Required)
    • Out-of-Network: 30% coinsurance (Authorization Required)
  • Other Part B drugs
    • Out-of-Network: 30% coinsurance (Authorization Required)

Mental health services

  • Inpatient hospital – psychiatric
    • In-Network: $475 per stay (Authorization Required)
  • Outpatient group therapy visit with a psychiatrist
    • Out-of-Network: $35 copay
  • Outpatient group therapy visit
    • In-Network: $35 copay
  • Outpatient individual therapy visit
    • In-Network: $35 copay
  • Outpatient group therapy visit
    • Out-of-Network: $35 copay
  • Outpatient individual therapy visit with a psychiatrist
    • In-Network: $35 copay
    • Out-of-Network: $35 copay
  • Inpatient hospital – psychiatric
    • Out-of-Network: $475 per stay (Authorization Required)
  • Outpatient group therapy visit with a psychiatrist
    • In-Network: $35 copay
  • Outpatient individual therapy visit
    • Out-of-Network: $35 copay

Optional supplemental benefits

    • No

Other health plan deductibles?

    • In-Network: No

Outpatient hospital coverage

    • Out-of-Network: $200 copay per visit (Authorization Required)
    • In-Network: $200 copay per visit (Authorization Required)

Preventive care

    • Out-of-Network: $0 copay
    • In-Network: $0 copay

Rehabilitation services

  • Occupational therapy visit
    • In-Network: $35 copay (Authorization Required)
  • Physical therapy and speech and language therapy visit
    • Out-of-Network: $35 copay (Authorization Required)
  • Occupational therapy visit
    • Out-of-Network: $35 copay (Authorization Required)
  • Physical therapy and speech and language therapy visit
    • In-Network: $35 copay (Authorization Required)

Skilled Nursing Facility

    • Out-of-Network: 30% per stay (Authorization Required)
    • In-Network: $0 per day for days 1 through 20
      $214 per day for days 21 through 100 (Authorization Required)

Transportation

    • Out-of-Network: 30% coinsurance (Limits Apply, Authorization Required)
    • In-Network: $0 copay (Limits Apply, Authorization Required)

Vision

  • Contact lenses
    • In-Network: $0 copay (Limits Apply)
  • Eyeglass frames
    • In-Network: $0 copay (Limits Apply)
  • Eyeglass lenses
    • Out-of-Network: $0 copay (Limits Apply)
  • Eyeglasses (frames and lenses)
    • Not covered
  • Routine eye exam
    • In-Network: $0 copay (Limits Apply)
    • Out-of-Network: $50 copay (Limits Apply)
  • Upgrades
    • Out-of-Network: $0 copay (Limits Apply)
    • In-Network: $0 copay (Limits Apply)
  • Eyeglass frames
    • Out-of-Network: $0 copay (Limits Apply)
  • Other
    • Not covered
  • Contact lenses
    • Out-of-Network: $0 copay (Limits Apply)
  • Eyeglass lenses
    • In-Network: $0 copay (Limits Apply)

Wellness programs (e.g., fitness, nursing hotline)

    • Covered

Ready to sign up for Freedom Blue PPO Standard (PPO) ?

Get help from a licensed insurance agent.

Call 1-877-354-4611 / TTY 711.

M-F: 8:00 am – 10:00 pm EST

Sat-Sun: 8:00 am – 9:00 pm EST

Need more information on Freedom Blue PPO Standard (PPO)? See 2025 Freedom Blue PPO Standard (PPO) at MedicareAdvantageRX.com.

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Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint

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All plan-related information on this site is from CMS.gov and Medicare.gov. We only use data released publicly each year. While our goal is always to provide fact-based, accurate information, information is subject to change, and some data may be inaccurate. Contact a plan for a Summary of Benefits.

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