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  1. 🏠
  2. Medicare Advantage Plans
  3. Blue Medicare Medical Only
Blue Cross and Blue Shield of North Carolina logo, a registered trademark of Blue Cross and Blue Shield of North Carolina

Blue Medicare Medical Only (HMO-POS) Medicare Advantage Plan H3449-012 • 2027

CMS Rating: ☆☆☆☆☆ (4.0 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$3900.00In-network
Part B Giveback
−$35.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
See List
Total Enrollment
6,666 beneficiaries
Last update: October 3, 2026
  • Benefits & Costs
  • Prescription Drugs
  • CMS Star Ratings
  • Contact Blue Cross and Blue Shield of North Carolina
  • Plan Availability
  • Plan FAQs

Blue Medicare Medical Only (HMO-POS) Introduction

CMS Plan ID H3449-012 identifies Blue Medicare Medical Only, a Medicare Advantage HMO-POS plan offered by Blue Cross and Blue Shield of North Carolina. The plan uses a Health Maintenance Organization with a Point of Service (HMO-POS) provider network and comes without prescription drug coverage. Its costs for the 2027 plan year include a $0.00 monthly premium, $0.00 medical deductible, and $3900.00 in-network maximum out-of-pocket.

Plan Benefits

Blue Medicare Medical Only includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The tables below outline the most common in-network out-of-pocket costs associated with plan H3449-012.

Compare 2027 plan benefits with 2026.

Office Visits

Office visit costs by plan year.
Covered Service 2027 2026
Primary care In-network: $0 copay In-network: $0 copay
Specialist In-network: $25 copay In-network: $25 copay

Preventive and Wellness Services

Preventive and wellness service costs and benefits by plan year.
Covered Service 2027 2026
Annual wellness exam In-network: $0 copay In-network: $0 copay
Telehealth benefit In-network: $0-$25 copay In-network: $0-$25 copay
Routine chiropractic Not covered Not covered
Fitness benefits Coming soon In-network: $0 copay
Health education Not covered Not covered
Counseling services Not covered Not covered
Over-the-counter drug benefits In-network: $0 copay In-network: $0 copay
Health transportation (non-emergency) Coming soon Not covered

Diagnostic, Lab, and Imaging Services

Diagnostic, laboratory, and imaging service costs by plan year.
Covered Service 2027 2026
Diagnostic radiology services In-network: $0-$300 copay, 20% coinsurance In-network: $0-$300 copay, 20% coinsurance
Lab services In-network: $0-$25 copay In-network: $0-$5 copay
Outpatient x-rays In-network: $0-$30 copay In-network: $0-$15 copay
Diagnostic tests and procedures In-network: $0-$25 copay In-network: $0-$25 copay

Emergency and Urgent Care Services

Emergency, urgent care, hospital, ambulance, and skilled nursing costs by plan year.
Covered Service 2027 2026
Emergency room care $150 copay $150 copay
Worldwide emergency care Coming soon $150 copay
Urgent care $65 copay $65 copay
Inpatient hospital care In-network:
Tier 1
$295 per day for days 1-6
$0 per day for days 7-90
$0 per stay
In-network:
Tier 1
$295 per day for days 1-6
$0 per day for days 7-90
$0 per stay
Skilled Nursing Facility In-network:
Tier 1
$0 per day for days 1-20
$221 per day for days 21-100
In-network:
Tier 1
$0 per day for days 1-20
$218 per day for days 21-100
Ground ambulance In-network: $250 copay In-network: $250 copay

Mental Health Services

Mental health therapy and inpatient psychiatric care costs by plan year.
Covered Service 2027 2026
Outpatient individual therapy In-network: $25 copay In-network: $25 copay
Outpatient group therapy In-network: $25 copay In-network: $25 copay
Inpatient psychiatric hospital care In-network:
Tier 1
$295 per day for days 1-6
$0 per day for days 7-90
$0 per stay
In-network:
Tier 1
$295 per day for days 1-6
$0 per day for days 7-90
$0 per stay

Rehabilitation Services

Physical, speech, and occupational therapy costs by plan year.
Covered Service 2027 2026
Physical therapy and speech and language therapy In-network: $25 copay In-network: $25 copay
Occupational therapy In-network: $25 copay In-network: $25 copay

Medical Equipment and Supplies

Diabetes supplies, durable medical equipment, and prosthetic costs by plan year.
Covered Service 2027 2026
Diabetes supplies In-network: 0%-20% coinsurance In-network: 0%-20% coinsurance
Durable medical equipment In-network: 20% coinsurance In-network: 20% coinsurance
Prosthetics In-network: 20% coinsurance In-network: 20% coinsurance

Medicare Part B Drugs

Chemotherapy and other Medicare Part B-covered drug costs by plan year.
Covered Service 2027 2026
Chemotherapy In-network: 0%-20% coinsurance In-network: 0%-20% coinsurance
Other Part B drugs (Medicare-covered) In-network: 0%-20% coinsurance In-network: 0%-20% coinsurance

Dental Services

Preventive and comprehensive dental service costs by plan year.
Covered Service 2027 2026
Oral exam In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance
Dental x-rays In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance
Cleaning In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance
Periodontics In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance
Endodontics In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance
Restorative services In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance
Implant services Not covered Not covered
Orthodontics Not covered Not covered
Oral/Maxillofacial surgery In-network: $0 copay
Out-of-network: 20%-40% coinsurance
In-network: $0 copay
Out-of-network: 20%-40% coinsurance

Vision Services

Routine eye exams, contact lenses, and eyewear costs by plan year.
Covered Service 2027 2026
Routine eye exam In-network: $0 copay In-network: $0 copay
Contact lenses In-network: $0 copay In-network: $0 copay
Eyeglass frames only In-network: $0 copay In-network: $0 copay
Eyeglass lenses only In-network: $0 copay In-network: $0 copay
Eyeglasses (frames & lenses) In-network: $0 copay In-network: $0 copay
Upgrades In-network: $0 copay In-network: $0 copay

Hearing Services

Hearing exams, fittings, and hearing aid costs by plan year.
Covered Service 2027 2026
Hearing exam In-network: $0 copay In-network: $0 copay
Fitting/evaluation In-network: $0 copay In-network: $0 copay
Prescription hearing aids In-network: $499-$999 copay In-network: $499-$999 copay
OTC hearing aids Not covered Not covered

Additional and Special Needs Services

Additional and special needs service costs and benefits by plan year.
Covered Service 2027 2026
Adult day health services Not covered Not covered
Home-based palliative care Not covered Not covered
Personal emergency response system Coming soon In-network: $0 copay
Weight management programs Not covered Not covered
Wigs for chemotherapy-related hair loss Coming soon Not covered
Alternative therapies Not covered Not covered
Massage therapy Not covered Not covered
Home/bathroom safety devices Not covered Not covered

Certain preventive services are covered 100% by Blue Medicare Medical Only as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Performance Ratings (Contract ID: H3449)

CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, and member experience.

2027 Medicare Star Ratings for Contract H3449
CMS Measure Star Rating
2027 Overall Rating ☆☆☆☆☆
Staying Healthy: Screenings, Tests, Vaccines ☆☆☆☆☆
Managing Chronic (Long Term) Conditions ☆☆☆☆☆
Member Experience with Health Plan ☆☆☆☆☆
Complaints and Changes in Plans Performance ☆☆☆☆☆
Health Plan Customer Service ☆☆☆☆☆
Drug Plan Customer Service ☆☆☆☆☆
Complaints and Changes in the Drug Plan ☆☆☆☆☆
Member Experience with the Drug Plan ☆☆☆☆☆
Drug Safety and Accuracy of Drug Pricing ☆☆☆☆☆

Contact Information for Blue Cross and Blue Shield of North Carolina

Website
Blue Cross and Blue Shield of North Carolina Plan Page
Providers
Blue Cross and Blue Shield of North Carolina Providers Page
Formulary
Blue Cross and Blue Shield of North Carolina Formulary Page
Pharmacy
Blue Cross and Blue Shield of North Carolina Pharmacy Page
New Member Health Plan Help
(866)760-0823
New Member Health Plan TTY
711

Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at Medicare.gov.

Plan Availability

Blue Medicare Medical Only (H3449-012-0) is available in the following locations:

North Carolina Counties Served
  • Alamance
  • Alexander
  • Alleghany
  • Anson
  • Ashe
  • Avery
  • Beaufort
  • Bertie
  • Bladen
  • Brunswick
  • Buncombe
  • Burke
  • Cabarrus
  • Caldwell
  • Camden
  • Carteret
  • Caswell
  • Catawba
  • Chatham
  • Cherokee
  • Chowan
  • Clay
  • Cleveland
  • Columbus
  • Craven
  • Cumberland
  • Currituck
  • Dare
  • Davidson
  • Davie
  • Duplin
  • Durham
  • Edgecombe
  • Forsyth
  • Franklin
  • Gaston
  • Gates
  • Graham
  • Granville
  • Greene
  • Guilford
  • Halifax
  • Harnett
  • Haywood
  • Henderson
  • Hertford
  • Hoke
  • Hyde
  • Iredell
  • Jackson
  • Johnston
  • Jones
  • Lee
  • Lenoir
  • Lincoln
  • Macon
  • Madison
  • Martin
  • Mcdowell
  • Mecklenburg
  • Mitchell
  • Montgomery
  • Moore
  • Nash
  • New Hanover
  • Northampton
  • Onslow
  • Orange
  • Pamlico
  • Pasquotank
  • Pender
  • Perquimans
  • Person
  • Pitt
  • Polk
  • Randolph
  • Richmond
  • Robeson
  • Rockingham
  • Rowan
  • Rutherford
  • Sampson
  • Scotland
  • Stanly
  • Stokes
  • Surry
  • Swain
  • Transylvania
  • Tyrrell
  • Union
  • Vance
  • Wake
  • Warren
  • Washington
  • Watauga
  • Wayne
  • Wilkes
  • Wilson
  • Yadkin
  • Yancey

Frequently Asked Questions

Here are some of the most frequently asked questions about this plan (click to open).

Frequently Asked Questions About Blue Medicare Medical Only (HMO-POS)

How much does plan H3449-012 cost per month?

The 2027 monthly premium is $0.00. The Medicare Part B premium is paid separately.

What is the annual out-of-pocket maximum (MOOP) for this plan?

The annual in-network MOOP is $3900.00 for 2027. After this limit is reached, covered in-network services are fully paid.

What is the total enrollment for plan H3449-012?

Total enrollment is 6,666 beneficiaries based on the latest CMS data.

What is the prescription drug deductible for 2027?

For 2027, the prescription drug deductible is $0.00.

Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher Last Accessed
Landscape Source Files Centers for Medicare & Medicaid Services October 5, 2026
Medicare Part C & D Performance Centers for Medicare & Medicaid Services October 5, 2026
Plan Benefits Package Centers for Medicare & Medicaid Services October 5, 2026
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services October 5, 2026

Data sources and methodology documentation.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
Blue Cross and Blue Shield of North Carolina (official source) https://www.bluecrossnc.com/medicare October 4, 2026
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard.

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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Editorial stewardship: David W. Bynon