2025 HMO and PPO Plan Options

With Medicare Advantage plans from Blue Cross and Blue Shield of Nebraska you'll have predictable, easy-to-budget costs for doctor office visits, prescription drugs and more. Each plan offers a different level of benefits and out-of-pocket cost, so you can choose the one that is best suited to your needs.

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Hospital and Medical Benefits

Click for more details	Medicare Advantage Core HMO	Medicare Advantage Connect PPO	Medicare Advantage Access PPO	Medicare Advantage Secure PPO
	When in- and out-of-network costs are applicable, costs are listed as follows: (In-Network/Out-of-Network)
Monthly Premium n/a	$0	$0	$25	$91
Medical Deductible n/a	$0	$0	$0	$0
Travel Coverage Travel coverage means if you travel outside of the state you will be covered similar to in-state in-network benefits.	Yes	Yes	Yes	Yes
Maximum Out-of-pocket Limit (In-network/Combined in- and out-of-network) Maximum out of pocket means the total amount you are responsible to pay for Medicare-covered services.	$3,900	$4,900 In-Network $8,000 Out-of-Network	$3,900 In-Network $6,200 Out-of-Network	$2,500 In-Network $4,500 Out-of-Network
Primary Care Doctor Visits* This is your personally selected Physician to help guide your care.	$0	$0 In-Network $15 Out-of-Network	$0 In-Network $15 Out-of-Network	$0 In-Network $15 Out-of-Network
Acute Inpatient Hospital	$400 per day for days 1-4 $0 per day for days 5+	$400 per day for days 1-4 $0 per day for days 5+	$390 per day for days 1-4 $0 per day for days 5+	$250 per day for days 1-4 $0 per day for days 5+
Outpatient Hospital Services	$350 per day	$350 per day	$350 per day	$175 per day
Urgent Care	$55	$55	$55	$50
Emergency Care	$125	$125	$125	$115
Inpatient Skilled Nursing Facility These facilites have the staff and equipment to give skilled nursing care or rehab services, they could be part of a hospital or nursing home.	Days 1-20: $0 Days 21-53: $186 Days 54-100: $0	In-Network Days 1-20: $0 Days 21-50: $196 Days 51-100: $0 Out-of-Network Days 1-20: $0 Days 21-65: $196 Days 66-100: $0	In-Network Days 1-20: $0 Days 21-50: $196 Days 51-100: $0 Out-of-Network Days 1-20: $0 Days 21-65: $196 Days 66-100: $0	In-Network Days 1-20: $0 Days 21-50: $196 Days 51-100: $0 Out-of-Network Days 1-20: $0 Days 21-65: $196 Days 66-100: $0
Routine Eye Exam (one per year) Exam to diagnose diseases and conditions of the eye.	$0	$0 In-Network $30 reimbursement Out-of-Network	$0 In-Network 50% reimbursement Out-of-Network ($70 max)	$0 In-Network $30 reimbursement Out-of-Network
Routine Hearing Exam (one per year) from TruHearing provider Exam to diagnose hearing and balance problems.	$0	$0	$0	$0
Over-the-Counter Allowance	$60 per quarter	$50 per quarter	$70 per quarter	$115 per quarter
Dental Maximum Reimbursement*	$1,950	$1,500	$2,050	$2,050
Fitness Benefit Specialized fitness program designed for seniors.	FitOn	FitOn	FitOn	FitOn
Meal Benefit Specialized meal program designed for seniors.	2 meals/day for 14 days post hospital discharge	2 meals/day for 14 days post hospital discharge	2 meals/day for 14 days post hospital discharge	2 meals/day for 14 days post hospital discharge
Service Area	Blue Cross and Blue Shield of Nebraska Medicare Advantage Core HMO plans have been divided into Metro/Central regional areas. Metro region*  includes Cass, Dodge, Douglas, Lancaster, Otoe, Sarpy, Saunders and Washington counties. Central region  includes Adams, Antelope, Arthur, Blaine, Boone, Buffalo, Burt, Butler, Cedar, Chase, Clay, Colfax, Cuming, Custer, Dawson, Deuel, Dundy, Fillmore, Franklin, Frontier, Furnas, Gage, Garden, Garfield, Gosper, Grant, Greeley, Hall, Hamilton, Harlan, Hayes, Hitchcock, Holt, Hooker, Howard, Jefferson, Johnson, Kearney, Keith, Knox, Lincoln, Logan, Loup, Madison, McPherson, Merrick, Nance, Nemaha, Nuckolls, Pawnee, Perkins, Phelps, Pierce, Platte, Polk, Red Willow, Saline, Seward, Sherman, Stanton, Thayer, Thomas, Thurston, Valley, Wayne, Webster, Wheeler and York counties. The Medicare Advantage Access, Connect and Secure PPO plans are available in all 76 counties listed above.

Prescription Drug Benefits

	Medicare Advantage Core HMO		Medicare Advantage Connect PPO		Medicare Advantage Access PPO		Medicare Advantage Secure PPO
	Rx Deductible $0		Rx Deductible $0		Rx Deductible $0		Rx Deductible $0
	Copayment/Coinsurance		Copayment/Coinsurance		Copayment/Coinsurance		Copayment/Coinsurance
	30-day supply: In-network pharmacy	100-day supply: Mail order	30-day supply: In-network pharmacy	100-day supply: Mail order	30-day supply: In-network pharmacy	100-day supply: Mail order	30-day supply: In-network pharmacy	100-day supply: Mail order
Tier 1 (Preferred Generic)	$4	$0/$12	$0	$0/$6	$0	$0/$6	$0	$0/$6
Tier 2 (Generic)	$14	$0/$42	$14	$0/$42	$14	$0/$42	$14	$0/$42
Tier 3 (Preferred Brand)	$47	$131/$141	$47	$131/$141	$47	$131/$141	$47	$131/$141
Tier 4 (Non-preferred Drug)	$100	$290/$300	$100	$290/$300	$100	$290/$300	$100	$290/$300
Tier 5 (Specialty tier)	33%	N/A	33%	N/A	33%	N/A	33%	N/A

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Individual Plan Information

2025 Summary of Benefits Access PPO, Connect PPO and Secure PPO
2025 Summary of Benefits Core HMO
2025 Evidence of Coverage Core HMO
2025 Evidence of Coverage Access PPO
2025 Evidence of Coverage Connect PPO
2025 Evidence of Coverage Secure PPO
2025 Access PPO Star Rating
2025 Connect PPO Star Rating
2025 Core HMO Star Rating
2025 ANOC Access PPO
2025 ANOC Connect PPO
2025 ANOC Core

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