Blue Medicare PPO Enhanced (PPO) (2027)

Medicare Advantage plan with drug coverage from Blue Cross and Blue Shield of North Carolina, plan ID H3404-003-002. Sold in 61 counties in North Carolina.

★★★★★4.5

2027 costs

Monthly premium$70 ($30.40 of it for drug coverage)

Drug deductible$700

Medical deductible$170

Out-of-pocket maximum (in network)$6,900

Plan typeMedicare Advantage plan with drug coverage, PPO

Referral needed to see a specialistNo

Plan IDH3404-003-002

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

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What you pay for medical care

Primary care visit$0

Specialist visit$30

Preventive care$0

Urgent care$50

Emergency room$130

Hospital stay$399/day

Outpatient surgery$0–$410

Lab tests$0–$25

X-rays and scans$0

Mental health visit$30

Physical therapy$25

Medical equipment20%

TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalCovered — up to $1500 allowance

VisionCovered — $0 copay for eyewear

HearingNot covered

Over-the-counter itemsCovered — up to $34/quarter allowance

FitnessNot covered

Rides to appointmentsNot covered

Drug costs by tier

Tier	30 days, standard pharmacy	30 days, preferred pharmacy	90 days by mail
1 Preferred Generic	$15	$0	$0
2 Generic	$20	$4	$0
3 Preferred Brand	21%	21%	21%
4 Non-Preferred Drug	26%	26%	26%
5 Specialty Tier	25%	25%	N/A
6 Select Care Drugs	$3	$0	$0

A percentage is coinsurance: your share of the drug's price. The drug deductible may apply first, depending on the tier. Your Part D out-of-pocket costs are capped at $2,400 for 2027.

Where it's sold

North Carolina (61 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.