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Blue Medicare Essential (HMO) (2027)

Medicare Advantage plan with drug coverage from Blue Cross and Blue Shield of North Carolina, plan ID H3449-027-002. Sold in 80 counties in North Carolina.

★★★★★4.0

2027 costs

Monthly premium$0
Drug deductible$700
Medical deductible$0
Out-of-pocket maximum (in network)$9,850
Plan typeMedicare Advantage plan with drug coverage, HMO
Referral needed to see a specialistYes
Plan IDH3449-027-002

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$10
Specialist visit$50
Preventive care$0
Urgent care$40
Emergency room$115
Hospital stay$407/day
Outpatient surgery$0–$475
Lab tests$0–$75
X-rays and scans$0
Mental health visit$50
Physical therapy$35
Medical equipment20%
TelehealthCovered

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

Extra benefits

DentalNot covered
VisionNot covered
HearingCovered — $499–$999 copay per aid
Over-the-counter itemsCovered
FitnessCovered
Rides to appointmentsNot covered

Drug costs by tier

Tier30 days, standard pharmacy30 days, preferred pharmacy90 days by mail
1 Preferred Generic$15$0$0
2 Generic$20$4$0
3 Preferred Brand21%21%21%
4 Non-Preferred Drug26%26%26%
5 Specialty Tier25%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 (80 counties)

Other 2027 Blue Cross and Blue Shield of North Carolina plans in North Carolina

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.