Security Blue HMO-POS Standard (HMO-POS) Medicare Advantage Plan H3957-045-1 • 2027
- Monthly Premium
- $132.00Plus Part B premium.
- Medical Deductible
- $0.00
- Maximum Out-of-Pocket
- $5000.00In-network
- Part B Giveback
- −$19.00 reduction
- Prescription Coverage
- Enhanced, $0.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- See List
- Total Enrollment
- 2,684 beneficiaries
Security Blue HMO-POS Standard (HMO-POS) Introduction
This Medicare Advantage HMO-POS plan, Security Blue HMO-POS Standard, is offered by Highmark Blue Cross Blue Shield or Highmark Blue Shield and uses a Health Maintenance Organization with a Point of Service (HMO-POS) provider network. It comes with prescription drug coverage. For the 2027 plan year, the monthly premium is $132.00, the medical deductible is $0.00, and the in-network maximum out-of-pocket is $5000.00. The plan is identified by CMS Plan ID H3957-045-1. The 2027 Part D prescription drug deductible is $0.00.
Plan Benefits
Cost-sharing for Security Blue HMO-POS Standard includes out-of-pocket expenses for covered healthcare services. The following tables provide a summary of typical in-network out-of-pocket costs for plan H3957-045-1.
Compare 2027 plan benefits with 2026.
Office Visits
| Covered Service | 2027 | 2026 |
|---|---|---|
| Primary care | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Specialist | In-network: $30 copay Out-of-network: $30 copay |
In-network: $30 copay Out-of-network: $30 copay |
Preventive and Wellness Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Annual wellness exam | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
In-network: $0 copay |
| Telehealth benefit | In-network: $0-$45 copay | In-network: $0-$50 copay |
| Routine chiropractic | In-network: $15 copay | In-network: $15 copay |
| 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 | Not covered | Not covered |
| Health transportation (non-emergency) | Coming soon | In-network: $0 copay |
Diagnostic, Lab, and Imaging Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diagnostic radiology services | In-network: $125 copay Out-of-network: $175 copay |
In-network: $125 copay Out-of-network: $175 copay |
| Lab services | In-network: $0-$10 copay Out-of-network: $15 copay |
In-network: $0-$10 copay Out-of-network: $15 copay |
| Outpatient x-rays | In-network: $20 copay Out-of-network: $35 copay |
In-network: $20 copay Out-of-network: $35 copay |
| Diagnostic tests and procedures | In-network: $0-$10 copay Out-of-network: $15 copay |
In-network: $0-$10 copay Out-of-network: $15 copay |
Emergency and Urgent Care Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Emergency room care | $130 copay | $130 copay |
| Worldwide emergency care | Coming soon | $130 copay |
| Urgent care | $45 copay | $50 copay |
| Inpatient hospital care | In-network: Tier 1 $335 per stay Out-of-network: $385 per stay |
In-network: Tier 1 $335 per stay Out-of-network: $385 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: $270 copay | In-network: $270 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | In-network: $30 copay Out-of-network: $35 copay |
In-network: $30 copay Out-of-network: $35 copay |
| Outpatient group therapy | In-network: $30 copay Out-of-network: $35 copay |
In-network: $30 copay Out-of-network: $35 copay |
| Inpatient psychiatric hospital care | In-network: Tier 1 $335 per stay Out-of-network: $385 per stay |
In-network: Tier 1 $335 per stay Out-of-network: $385 per stay |
Rehabilitation Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Physical therapy and speech and language therapy | In-network: $30 copay Out-of-network: $35 copay |
In-network: $30 copay Out-of-network: $35 copay |
| Occupational therapy | In-network: $30 copay Out-of-network: $35 copay |
In-network: $30 copay Out-of-network: $35 copay |
Medical Equipment and Supplies
| 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
| Covered Service | 2027 | 2026 |
|---|---|---|
| Chemotherapy | In-network: 0%-20% coinsurance Out-of-network: 30% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: 30% coinsurance |
| Other Part B drugs (Medicare-covered) | In-network: 0%-20% coinsurance Out-of-network: 30% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: 30% coinsurance |
Dental Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Oral exam | In-network: $0 copay | In-network: $15 copay |
| Dental x-rays | In-network: $0 copay | In-network: $15 copay |
| Cleaning | In-network: $0 copay | In-network: $15 copay |
| Periodontics | Not covered | Not covered |
| Endodontics | Not covered | Not covered |
| Restorative services | Not covered | Not covered |
| Implant services | Not covered | Not covered |
| Orthodontics | Not covered | Not covered |
| Oral/Maxillofacial surgery | Not covered | Not covered |
Vision Services
| 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-$40 copay | In-network: $0 copay |
| Eyeglass lenses only | In-network: $0 copay | In-network: $0 copay |
| Eyeglasses (frames & lenses) | In-network: $0-$40 copay | In-network: $0 copay |
| Upgrades | In-network: $0 copay | In-network: $0 copay |
Hearing Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Hearing exam | In-network: $0 copay | In-network: $0 copay |
| Fitting/evaluation | Not covered | Not covered |
| Prescription hearing aids | In-network: $599-$899 copay | In-network: $599-$899 copay |
| OTC hearing aids | Not covered | Not covered |
Additional and Special Needs Services
| 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 | Not covered |
| 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 | In-network: 20% coinsurance | In-network: 20% coinsurance |
Certain preventive services are covered 100% by Security Blue HMO-POS Standard as a Part B benefit.
Prescription Drug Coverage
Security Blue HMO-POS Standard includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.
This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.
Prescription Drug Plan Premium
The Part D prescription drug plan premium is included in the overall Medicare Advantage plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.
| Part D Premium Component | Amount |
|---|---|
| Basic Part D Premium: | $16.40 |
| Supplemental Part D Premium: | $$45.60 |
| Total Part D Premium: | $62.00 |
| Low-Income Premium Subsidy: | $12.80 |
| Low-Income Premium Subsidy Paid by CMS: | $12.80 |
| Low-Income Subsidy Premium: | $49.20 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $0.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Highmark Blue Cross Blue Shield or Highmark Blue Shield starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, Security Blue HMO-POS Standard may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Preferred Generic | $0.00 copay | Coming soon |
| Generic | $13.00 copay | Coming soon |
| Preferred Brand | $44.00 copay | Coming soon |
| Non-Preferred Drug | $100.00 copay | Coming soon |
| Specialty Tier | 33% coinsurance | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H3957)
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.
| 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 Highmark Blue Cross Blue Shield or Highmark Blue Shield
- Website
- Highmark Blue Cross Blue Shield or Highmark Blue Shield Plan Page
- Providers
- Highmark Blue Cross Blue Shield or Highmark Blue Shield Providers Page
- Formulary
- Highmark Blue Cross Blue Shield or Highmark Blue Shield Formulary Page
- Pharmacy
- Highmark Blue Cross Blue Shield or Highmark Blue Shield Pharmacy Page
- New Member Health Plan Help
- (866)670-5844
- New Member Health Plan TTY
- 711
- New Member Part D Help
- (866)670-5844
- New Member Part D TTY Users
- 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
Security Blue HMO-POS Standard (H3957-045-1) is available in the following locations:
Frequently Asked Questions
Here are some of the most frequently asked questions about this plan (click to open).
Frequently Asked Questions About Security Blue HMO-POS Standard (HMO-POS)
What is the monthly premium for Security Blue HMO-POS Standard (HMO-POS)?
The 2027 monthly premium is $132.00. The Medicare Part B premium is paid separately.
What is the in-network MOOP for plan H3957-045-1?
For 2027, the in-network maximum out-of-pocket is $5000.00. The plan pays 100% of covered in-network services beyond this amount.
What is the CMS star rating for this plan?
CMS rates this plan at ★4.5 out of 5 stars for 2027.
What is the total enrollment for plan H3957-045-1?
Total enrollment is 2,684 beneficiaries based on the latest CMS data.
What is the Part D deductible for plan H3957-045-1?
The plan’s Part D deductible is $0.00, applied to covered prescription drug costs.
Medicare Plan Data Sources and Methodology
| 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.
| Publisher | Reference | Last Accessed |
|---|---|---|
| Highmark Blue Cross Blue Shield or Highmark Blue Shield (official source) | http://medicare.highmark.com | October 4, 2026 |
| CMS.gov | Medicare Advantage Plan Fact Sheet | 25 May, 2025 |
| AARP.org | The Big Choice: Original Medicare vs. Medicare Advantage | 25 May, 2025 |
| Medicare.gov | Your coverage options | 25 May, 2025 |
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