Key Plan Highlights

With Blue Cross Medicare Advantage (PPO)^SM, you:

• Tend to have lower monthly premiums
• Do not need to choose a primary care provider (PCP)
• Are free to use doctors, hospitals and health care providers outside the network (may require higher copays and coinsurance)
• Save more when using in-network providers
• Get drug coverage

With Blue Cross Medicare Advantage (HMO)^SM, you:

• Typically have lower or $0 monthly premiums
• Your care is handled by one primary care provider (PCP) who knows your health history
• Your costs will be as low as possible when you got to a provider in the network
• You may be required to get a referral from your PCP before you visit a specialist
• These plans may or may not cover prescription drugs