Blue adVantage Classic (HMO-POS) Medicare Advantage Plan H6453-013-4 • 2027
- Monthly Premium
- $0.00Plus Part B premium.
- Medical Deductible
- $500
- Maximum Out-of-Pocket
- $5900.00In-network
- Part B Giveback
- Not offered
- Prescription Coverage
- Enhanced, $700.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- See List
- Total Enrollment
- 23,785 beneficiaries
Blue adVantage Classic (HMO-POS) Introduction
This Medicare Advantage HMO-POS plan, Blue adVantage Classic, is offered by Blue Cross and Blue Shield of Louisiana 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 $0.00, the medical deductible is $500, and the in-network maximum out-of-pocket is $5900.00. The plan is identified by CMS Plan ID H6453-013-4. The 2027 Part D prescription drug deductible is $700.00.
Plan Benefits
Cost-sharing for Blue adVantage Classic 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 H6453-013-4.
Compare 2027 plan benefits with 2026.
Office Visits
| Covered Service | 2027 | 2026 |
|---|---|---|
| Primary care | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
| Specialist | In-network: $75 copay Out-of-network: 50% coinsurance |
In-network: $40 copay Out-of-network: 50% coinsurance |
Preventive and Wellness Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Annual wellness exam | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay |
| Telehealth benefit | In-network: $0-$75 copay | In-network: $0-$40 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 | Not covered | In-network: $0 copay |
| Health transportation (non-emergency) | Coming soon | Not covered |
Diagnostic, Lab, and Imaging Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diagnostic radiology services | In-network: $0-$280 copay Out-of-network: 50% coinsurance |
In-network: $0-$250 copay Out-of-network: 50% coinsurance |
| Lab services | In-network: $0-$35 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
| Outpatient x-rays | In-network: 0%-20% coinsurance Out-of-network: 50% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: 50% coinsurance |
| Diagnostic tests and procedures | In-network: $0-$30 copay Out-of-network: 50% coinsurance |
In-network: $0-$30 copay Out-of-network: 50% coinsurance |
Emergency and Urgent Care Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Emergency room care | $130 copay | $125 copay |
| Worldwide emergency care | Coming soon | $125 copay |
| Urgent care | $50 copay | $40 copay |
| Inpatient hospital care | In-network: Tier 1 $225 per day for days 1-10 $0 per day for days 11-90 $0 per stay Out-of-network: 50% per stay |
In-network: Tier 1 $195 per day for days 1-10 $0 per day for days 11-90 $0 per stay Out-of-network: 50% per stay |
| Skilled Nursing Facility | In-network: Tier 1 $0 per day for days 1-20 $200 per day for days 21-100 Out-of-network: 50% per stay |
In-network: Tier 1 $0 per day for days 1-20 $200 per day for days 21-100 Out-of-network: 50% per stay |
| Ground ambulance | In-network: $250 copay Out-of-network: $250 copay |
In-network: $250 copay Out-of-network: $250 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | In-network: $40 copay Out-of-network: 50% coinsurance |
In-network: $40 copay Out-of-network: 50% coinsurance |
| Outpatient group therapy | In-network: $40 copay Out-of-network: 50% coinsurance |
In-network: $40 copay Out-of-network: 50% coinsurance |
| Inpatient psychiatric hospital care | In-network: Tier 1 $225 per day for days 1-10 $0 per day for days 11-90 $0 per stay Out-of-network: 50% per stay |
In-network: Tier 1 $195 per day for days 1-10 $0 per day for days 11-90 $0 per stay Out-of-network: 50% per stay |
Rehabilitation Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Physical therapy and speech and language therapy | In-network: $35 copay Out-of-network: 50% coinsurance |
In-network: $35 copay Out-of-network: 50% coinsurance |
| Occupational therapy | In-network: $35 copay Out-of-network: 50% coinsurance |
In-network: $35 copay Out-of-network: 50% coinsurance |
Medical Equipment and Supplies
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diabetes supplies | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
| Durable medical equipment | In-network: 20% coinsurance Out-of-network: 50% coinsurance |
In-network: 20% coinsurance Out-of-network: 50% coinsurance |
| Prosthetics | In-network: 20% coinsurance Out-of-network: 50% coinsurance |
In-network: 20% coinsurance Out-of-network: 50% coinsurance |
Medicare Part B Drugs
| Covered Service | 2027 | 2026 |
|---|---|---|
| Chemotherapy | In-network: 0%-20% coinsurance Out-of-network: $35 copay, 0%-50% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: $35 copay, 0%-50% coinsurance |
| Other Part B drugs (Medicare-covered) | In-network: 0%-20% coinsurance Out-of-network: $35 copay, 0%-50% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: $35 copay, 0%-50% coinsurance |
Dental Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Oral exam | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
| Dental x-rays | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
| Cleaning | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
| Periodontics | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
| Endodontics | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
| Restorative services | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
| Implant services | Not covered | In-network: $0 copay Out-of-network: 15% coinsurance |
| Orthodontics | Not covered | Not covered |
| Oral/Maxillofacial surgery | In-network: $0 copay Out-of-network: 15% coinsurance |
In-network: $0 copay Out-of-network: 15% coinsurance |
Vision Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Routine eye exam | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
| Contact lenses | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Eyeglass frames only | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Eyeglass lenses only | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Eyeglasses (frames & lenses) | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Upgrades | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
Hearing Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Hearing exam | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Fitting/evaluation | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Prescription hearing aids | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| OTC hearing aids | Not covered | In-network: $0 copay |
Additional and Special Needs Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Adult day health services | Not covered | Not covered |
| Home-based palliative care | In-network: $0 copay | In-network: $0 copay |
| 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 | Not covered | Not covered |
Certain preventive services are covered 100% by Blue adVantage Classic as a Part B benefit.
Prescription Drug Coverage
Blue adVantage Classic 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: | $0.00 |
| Supplemental Part D Premium: | $$0.00 |
| Total Part D Premium: | $0.00 |
| Low-Income Premium Subsidy: | $17.03 |
| Low-Income Premium Subsidy Paid by CMS: | $0.00 |
| Low-Income Subsidy Premium: | $0.00 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $700.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Blue Cross and Blue Shield of Louisiana starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, Blue adVantage Classic 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 | $12.00 copay | Coming soon |
| Preferred Brand | $45.00 copay | Coming soon |
| Non-Preferred Drug | 50% coinsurance | Coming soon |
| Specialty Tier | 25% coinsurance | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H6453)
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 Blue Cross and Blue Shield of Louisiana
- Website
- Blue Cross and Blue Shield of Louisiana Plan Page
- Providers
- Blue Cross and Blue Shield of Louisiana Providers Page
- Formulary
- Blue Cross and Blue Shield of Louisiana Formulary Page
- Pharmacy
- Blue Cross and Blue Shield of Louisiana Pharmacy Page
- New Member Health Plan Help
- (800)363-9152
- New Member Health Plan TTY
- 711
- New Member Part D Help
- (800)363-9152
- 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
Blue adVantage Classic (H6453-013-4) 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 Blue adVantage Classic (HMO-POS)
What is the monthly premium for Blue adVantage Classic (HMO-POS)?
The 2027 monthly premium is $0.00. The Medicare Part B premium is paid separately.
What is the in-network MOOP for plan H6453-013-4?
For 2027, the in-network maximum out-of-pocket is $5900.00. 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 ★3.5 out of 5 stars for 2027.
What is the total enrollment for plan H6453-013-4?
Total enrollment is 23,785 beneficiaries based on the latest CMS data.
What is the Part D deductible for plan H6453-013-4?
The plan’s Part D deductible is $700.00, 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 |
|---|---|---|
| Blue Cross and Blue Shield of Louisiana (official source) | http://www.bcbsla.com/blueadvantage | 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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