2021 Medicare Advantage Plan Options
HMO vs. PPO: How to choose what's right for you!
Choose an HMO if you stay mostly local.
With an HMO plan, you must receive care from doctors and hosptials within the plan's network, except for emergency or urgent care.
Choose a PPO if you travel
With a PPO plan, you can receive care within a network of doctors and hospitals or use out-of-network doctors and hospitals for covered services, usually for a higher cost.
Compare Plans
BlueSaver (HMO)
Pay a $0 monthly premium and have access to a full network of doctors and hospitals.
PRIMARY/SPECIALTY
$15/$40
DRUG DEDUCTIBLES
$0 Tiers 1-2
$290 Tiers 3-5
INPATIENT HOSPITAL
$360 per days 1-5
$1,800 OOP max per year
Senior Blue 601 (HMO)
Get lower out-of-pocket costs and coverage recognized nationwide.
PRIMARY/SPECIALTY
$5/$45
DRUG DEDUCTIBLES
N/A
INPATIENT HOSPITAL
$290 per day for days 1-7, $2,030 OOP Max per year
Senior Blue Select (HMO)
Get a low monthly premium, prescription drugs, and coverage recognized nationwide.
PRIMARY/SPECIALTY
$10/$30
DRUG DEDUCTIBLES
Tier 1-2: $0, Tier 3 - 5: $190
INPATIENT HOSPITAL
$335 per day for days 1-5, $1,675 OOP Max per year
Senior Blue 651 (HMO)
Get lower out-of-pocket costs, prescription drugs, and coverage recognized nationwide.
PRIMARY/SPECIALTY
$0/$25
DRUG DEDUCTIBLES
$0
INPATIENT HOSPITAL
$225 per day for days 1-7, $1,575 OOP Max per year
Freedom Nation (PPO)
PRIMARY/SPECIALTY
$15/$35
DRUG DEDUCTIBLES
Tier 1-2: $0,
Tier 3 - Tier 5: $300
INPATIENT HOSPITAL
$370 per day for days 1-5,
$1,850 OOP Max per year
Forever Blue Value (PPO)
Pay a lower premium and have the freedom to see any doctor or hospital that accepts Medicare nationwide. Costs may be higher out of network.
PRIMARY/SPECIALTY
$10/$30
DRUG DEDUCTIBLES
$0
INPATIENT HOSPITAL
$250 per day for days 1-7,
$1,750 OOP Max per year
Forever Blue 751 (PPO)
Pay in-network copays for all plan-covered services when you receive care outside of Western New York with BlueCard travel.
PRIMARY/SPECIALTY
$5/$25
DRUG DEDUCTIBLES
$0
INPATIENT HOSPITAL
$205 per day for days 1-7,
$1,435 OOP Max per year
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Oct. 1 - Dec. 31:
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Jan. 1 - Sept. 31:
8 a.m. - 8 p.m., Mon. - Fri.
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Request a copy of our full sales brochure to help weigh your Medicare Advantage plan options
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BlueCross BlueShield of Western New York (BCBSWNY) is a division of HealthNow New York Inc., an independent licensee of the Blue Cross and Blue Shield Association. BCBSWNY complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia linguistica, Llame al 1-833-735-4515 (TTY 711) 注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 1-833-735-4515 (TTY 711)
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Content Last Updated: October 15, 2020