$0 Premium Medicare Advantage Plans

Austin

Blue Cross Medicare Advantage Value
(HMO) H9706-003

Blue Cross Medicare Advantage Choice Plus
(PPO) H1666-004

Blue Cross Medicare Advantage Classic
(PPO) H4801-003

In-Network

Out-of-Network

In-Network

Out-of-Network

Plan Premium

Doctors Office Visits

Primary Care Provider

$0 copay

$10 copay

50% coinsurance

$20 copay

$25 copay

Specialist

$35 copay

$50 copay

50% coinsurance

$50 copay

$65 copay

Maximum Out-of-Pocket

$6,700

$7,550

$11,300

$6,400

$11,300

Inpatient Hospital Copay

$275/day (days 1-5)

$372/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

$0-$10/$10-$20/$47/$100/31%,br> Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/25%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/25%
 Full coverage of Tier 1 in gap

Prescription Drug Deductible

$100 Ded (Tiers 4 and 5)

$480 (Tiers 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

$31.60

Dental

Preventive

$0 copay 2 exams, 2 cleanings, 1 X-ray

Not Covered

$0 copay 2 exams, 2 cleanings, 1 x-ray

Comprehensive

$500 Allowance/Year

Not Covered

Optional Supplemental Available

Vision

Eye Exam

$0 copay (routine) 1 per year

$0 copay

$40 allowance

$0 copay (routine) 1 per year

$40 allowance

Eye Wear

$0 copay Medicare Covered $100 allowance per year

Not Covered

Not Covered

$0 copay Medicare Covered $125 allowance per year

$0 copay Medicare Covered $125 allowance per year

Hearing Aids

$699 Advanced $999 Premium

Not Covered

$1,000 hearing aid allowance/every 3 years

Over-The-Counter (OTC) Purchase Allowance

$50 quarterly

Not Covered

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

12 one-way trips

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

San Antonio

Blue Cross Medicare Advantage Value
(HMO) H8554-001

Blue Cross Medicare Advantage Choice Plus
(PPO) H1666-008

Blue Cross Medicare Advantage Classic
(PPO) H4801-004

                                                        
                                                            In-Network
                                                            
Out-of-Network

                                                        
                                                            In-Network
                                                            
Out-of-Network

                                                        
                                                            In-Network
                                                            
Out-of-Network

Plan Premium

Doctor Office Visits

Primary Care Provider

$0 copay

50% coinsurance

$0 copay

$25 copay

Specialist

$25 copay

$35 copay

50% coinsurance

$50 copay

$65 copay

Maximum Out-of-Pocket

$3,200

$7,550

$11,300

$6,400

$11,300

Inpatient Hospital Copay

$200/day (days 1-5)

$372/day (days 1-5)

50% coinsurance

$372/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

$0-$10/$10-$20/$47/$100/33%
Full coverage for Tier 1 gap

$0-$10/$10-$20/$47/$100/27%
Full coverage of Tier 1 in gap

$0-$10/$10-$20/$47/$100/28%
Full coverage of Tier 1 in gap

Prescription Drug Deductible

$0 Ded

$350 (Tiers 3-5)

$295 (Tiers 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

$28.10

Dental

Preventive

$0 copay 2 exams, 2 cleanings, 1 x-ray

Comprehensive

$2,000 Allowance/Year

Not Covered

Optional Supplemental Available

Vision

Eye Exam

$0 copay (routine) 1 per year

$0 copay (1 routine eye exam per year)

$40 allowance

$0 copay (1 routine eye exam per year)

$40 allowance

Eye Wear

$0 copay Medicare Covered $150 allowance per year

$0 Copay Medicare Covered $100 allowance per year

$0 Copay Medicare Covered $100 allowance per year

$0 Copay Medicare Covered $100 allowance per year

$0 Copay Medicare Covered $105 allowance per year

Hearing Aids

$699 Advanced $999 Premium

Not Covered

Not Covered

$1,000 hearing aid a Hearing Aids llowance/every 3 years

Over-The-Counter (OTC) Purchase Allowance

$100 / Quarterly

Not Covered

$25 / Quarterly

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

24 one-way trips

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

Dallas

Blue Cross Medicare Advantage Value
(HMO) H9706-001

Blue Cross Medicare Advantage Choice Plus
(PPO) H1666-005

Blue Cross Medicare Advantage Classic
(PPO) H4801-001

In-Network

Out-of-Network

In-Network

Out-of-Network

Plan Premium

Doctors Office Visit

Primary Care Provider

$0 copay

$10 copay

50% Coinsurance

$5 copay

50% Coinsurance

Specialist

$20 copay

$50 copay

50% Coinsurance

$35 copay

50% Coinsurance

Maximum Out-of-Pocket

$3,400

$7500

$11,300

$7500

$11,300

Inpatient Hospital Copay

$275/day (days 1-5)

$372/day (days 1-5)

50% Coinsurance

$372/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

$0-$10/$10-$20/$47/$100/33%
Full coverage for Tier 1 gap

$0-$10/$10-$20/$47/$100/25%
Full coverage of Tier 1 in gap

$0/$13/$40/$93/27%
Full coverage of Tier 1 in gap

Prescription Drug Deductible

$0 Ded

$480 (Tiers 3-5)

$295 Deductible Tiers 3, 4 & 5

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

$40.50

Dental

Preventive

$0 copay 2 exams, 2 cleanings, 1 x-ray

Optional Supplemental Available $0 copay (1 routine eye exam)

Optional Supplemental Available $40 allowance

Comprehensive

$750 Allowance/Year

Not Covered

Optional Supplemental Available $0 copay (1 routine eye exam)

Optional Supplemental Available $40 allowance

Vision

Eye Exam

$0 copay (routine) 1 per year

$0 copay

$40 Allowance

Optional Supplemental Available $0 copay (1 routine eye exam)

Optional Supplemental Available $40 allowance

Eye Wear

$0 copay Medicare Covered $100 allowance per year

Not Covered

Not Covered

Optional Supplemental Available $0 copay (1 routine eye exam)

Optional Supplemental Available $40 allowance

Hearing Aids

$699 Advanced $999 Premium

Not Covered

Optional Hearing Aids Supplemental Available

Over-The-Counter (OTC) Purchase Allowance

$50 quarterly

Not Covered

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

12 one-way trips

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

Houston

Blue Cross Medicare Advantage Value
(HMO) H9706-005

Blue Cross Medicare Advantage Basic
(HMO) H8133-001

Blue Cross Medicare Advantage Choice
Plus (PPO) H1666-006

Blue Cross Medicare Advantage Classic
(PPO) H4801-002

                                                        
                                                            In-Network
                                                            
Out-of-Network

                                                        
                                                            In-Network
                                                            
Out-of-Network

Plan Premium

Doctors Office Visits

Primary Care Provider

$0 copay

$20 copay

50% coinsurance

$20 copay

$25 copay

Specialist

$30 copay

$50 copay

50% coinsurance

$50 copay

$65 copay

Maximum Out-of-Pocket

$3,400

$7,550

$11,300

$6,500

$11,300

Inpatient Hospital Copay

$295/day (days 1-6)

$372/day (days 1-5)

50% coinsurance

$372/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

                                                        
                                                            $0-$10/$10-$20/ $47/$100/33%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/ $47/$100/33%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/ $47/$100/25%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/ $47/$100/25%
Full coverage of Tier 1 in gap

Prescription Drug Deductible

$0 Ded

$480 (Tiers 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

$31.30

Dental

Preventive

$0 copay 2 exams, 2 cleanings, 1 x-ray

Not Covered

$0 copay 2 exams, 2 cleanings, 1 x-ray

Comprehensive

$1,000 Allowance/Year

Not Covered

Optional Supplemental Available

Vision

Eye Exam

$0 copay (routine) 1 per year

$0 copay (1 routine eye exam 1 per year)

$40 allowance

$0 copay (routine) 1 per year

$40 allowance

Eye Wear

$0 copay Medicare Covered $150 allowance per year

Not Covered

Not Covered

$0 copay Medicare Covered $125 yearly allowance

$0 copay Medicare Covered $125 yearly allowance

Hearing Aids

$699 Advanced $999 Premium

Not Covered

$1,000 hearing aid allowance/every 3 years

Over-The-Counter (OTC) Purchase Allowance

$75 quarterly

$75/Quarterly

Not Covered

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

12 one-way trips

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

South, Southeast

Blue Cross Medicare Advantage Value
(HMO) H8554-001

Blue Cross Medicare Advantage Basic
(HMO) H8133-005

Blue Cross Medicare Advantage Classic
(PPO) H4801-006

Blue Cross Medicare Advantage Classic
(PPO) H4801-010

                                                        
                                                            In-Network
                                                            
Out-of-Network

                                                        
                                                            In-Network
                                                            
Out-of-Network

Plan Premium

Doctors Office Visits

Primary Care Provider

$0 copay

$25 copay

$20 copay

$25 copay

Specialist

$25 copay

$30 copay

$50 copay

$65 copay

$50 copay

$65 copay

Maximum Out-of-Pocket

$3,200

$3,400

$5,900

$11,300

$6,500

$11,300

Inpatient Hospital Copay

$200/day (days 1-5)

$350/day (days 1-5)

$375/day (days 1-5)

50% coinsurance

$372/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

                                                        
                                                            $0-$10/$10-$20/$47/$100/33%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/25%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/27%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/25%
Full coverage of Tier 1 in gap

Prescription Drug Deductible

$0 Ded

$480 Ded (Tier 3-5)

$350 Ded (Tier 3-5)

$480 Ded (Tier 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

$27.50

$32.60

Dental

Preventive

$0 copay 2 exams, 2 cleanings, 1 x-ray

Not Covered

$0 copay 2 exams, 2 cleanings, 1 x-ray

Comprehensive

$2,000 Allowance/Year

Not Covered

Optional Supplemental Available

Vision

Eye Exam

$0 copay (routine)/ 1 per year

$0 copay (routine)/1 per year

$0 copay (routine) 1 per year

$40 allowance

$0 copay (routine) 1 per year

$40 allowance

Eye Wear

$150 allowance per year

$0 copay eyeglass lenses $130 allowance per year

$125 allowance per year

$125 allowance per year

$125 allowance per year

$125 allowance per year

Hearing Aids

$699 Advanced $999 Premium

$1,000 Allowance/3 Years

Over-The-Counter (OTC) Purchase Allowance

$100/Quarterly

Not Covered

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

24 one-way trips

12 one-way trips

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

EL Paso

Blue Cross Medicare Advantage Basic
(HMO) H8133-003

Blue Cross Medicare Advantage Value
(HMO) H8554-001

Blue Cross Medicare Advantage Classic
(PPO) H4801-005

                                                        
                                                            In-Network
                                                            
Out-of-Network

Plan Premium

Doctors Office Visits

Primary Care Provider

$0 copay

$25 copay

Specialist

$30 copay

$25 copay

$40 copay

$65 copay

Maximum Out-of-Pocket

$3,400

$3,200

$5,900

$11,300

Inpatient Hospital Copay

$200/day (days 1-6)

$375/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

                                                        
                                                            $0-$10/$10-$20/$47/$100/28%
 Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/33%
Full coverage of Tier 1 in gap

                                                        
                                                            $0-$10/$10-$20/$47/$100/27%
Full coverage of Tier 1 in gap

Prescription Drug Deductible

$255 Ded (Tier 4-5)

$0 Ded

$350 Ded (Tier 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

Dental

Preventive

Not Covered

$0 copay 2 exams, 2 cleanings, 1 x-ray

Comprehensive

Not Covered

$2,000 Allowance/Year

$1,000 Allowance/Year

Vision

Eye Exam

$0 copay (routine) 1 per year

$40 allowance

Eye Wear

$0 copay eyeglass lenses $130 allowance per year

$150 allowance per year

$150 allowance per year

Hearing Aids

$699 Advanced $999 Premium

$1,000 Allowance/3 Years

Over-The-Counter (OTC) Purchase Allowance

Not Covered

$100/Quarterly

$25/Quarterly

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

Not Covered

24 one-way trips

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

North, Northeast and Central

Blue Cross Medicare Advantage Classic
(PPO) H4801-009

Blue Cross Medicare Advantage Classic
(PPO) H4801-012

Blue Cross Medicare Advantage Classic
(PPO) H4801-011

In-Network

Out-of-Network

In-Network

Out-of-Network

In-Network

Out-of-Network

Plan Premium

Doctors Office Visits

Primary Care Provider

$10 copay

$0 copay

$25 copay

Specialist

$50 copay

$65 copay

Maximum Out-of-Pocket

$7,550

$11,300

$7,550

$11,300

$6,700

$11,300

Inpatient Hospital Copay

$372/day (days 1-5)

50% coinsurance

$372/day (days 1-5)

50% coinsurance

$372/day (days 1-5)

50% coinsurance

Retail Preferred Pharmacy

                                                        
                                                            $0-$10/$10-$20/$47/$100/25%
Full Coverage of Tier 1

                                                        
                                                            $0-$10/$10-$20/$47/$100/25%
Full Coverage of Tier 1

                                                        
                                                            $0-$10/$10-$20/$47/$100/27%
Full Coverage of Tier 1

Prescription Drug Deductible

$480 (Tiers 3-5)

$350 (Tiers 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

$35.40

$36.50

$32.50

Dental

Preventive

$0 copay 2 exams, 2 cleanings, 1 x-ray

Comprehensive

Optional Supplemental Available

Vision

Eye Exam

$0 copay (routine) 1 per year

$40 allowance

$0 copay (routine) 1 per year

$40 allowance

$0 copay (1 routine exam)

$40 allowance

Eye Wear

Optional Supplemental Available

$1,000 Allowance/3 years

Hearing Aids

Optional Supplemental Available

$1,000 Allowance/3 years

Over-The-Counter (OTC) Purchase Allowance

Not Covered

Silver Sneakers Fitness Program

✓

24/7 Nurse Line

✓

Transportation

Not Covered

Rewards

✓

Telehealth

MD Live $0 copay Urgent Care Only

Open Access TX Flex PPO Plan

Blue Cross Medicare Advantage Flex
(PPO) H8634-014

Plan Premium

$215.40

Doctors Office Visits

Primary Care Provider

0% coinsurance

Specialist

Maximum Out-of-Pocket

Inpatient Hospital Copay

0% coinsurance

Retail Preferred Pharmacy

$0-$15/$5-$20/$40-$47/32%-37%/25%
Defined Standard Gap Coverage

Prescription Drug Deductible

$480 (Tiers 3-5)

Extra Health & Wellness Benefits

Optional Supplemental Benefits Premium

N/A

Dental

Preventive

Not Covered

Comprehensive

Not Covered

Vision

Eye Wear

Not Covered

Eye Exam

Not Covered

Hearing Aids

Not Covered

Over-the-Counter (OTC) Purchase Allowance

Not Covered

SilverSneakers Fitness Program

✓

24/7 Nurseline

✓

Transportation

Not Covered

Rewards

✓

Telehealth

$0 copay Urgent Care Only

Jenn, Thank you for helping me with this, what I thought was a confusing task, you have made it simple and very pleasant. You are an excellent professional. Once again, you are absolutely the best. Thank you for making it so easy and solving a very unsettled status in my life.” S. Randall, Refugio

With Jenn’s help, I found a plan that was perfect for my wife and I retirement needs and saved us money from what we had been paying. Thank you for always answering our questions, calls and emails. C. Richards, Houston

Lesli’s professional manner and her ability to explain the policy to me made my decision to select a supplemental policy for my retirement an easy one. I would highly recommend her to my friends. Thank you Ronald Hornburg, Cypress

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About Us

Why Choose Consumers Direct Insurance Services of Texas?

Looking for a unique and genuine insurance experience? We’re here to help! We know that dealing with insurance isn’t always…
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Medicare

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Like most seniors, there’s a good chance you’ve heard of Medicare – you may even know that it’s a federally…
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Medicare Advantage

Is Medicare a Advantage Good Deal?

Medicare Advantage (MA or Part C), is a popular alternative to traditional Medicare. Since 2010, enrollment increased by 71 percent,…
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Medicare

Medicare Readiness Checklist

9 to 12 months before you turn 65 Confirm that you are eligible to receive Medicare benefits by calling the Social Security…
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Annual Enrollment

Medicare Annual Enrollment Period – 5 Questions and Answers

The annual Enrollment Period (AEP), is the one time of year when you can make changes to an existing Medicare…
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Medicare Advantage Plans

Starting At $0/ Month

$0 Premium Medicare Advantage Plans

Austin

San Antonio

Dallas

Houston

South, Southeast

EL Paso

North, Northeast and Central

Open Access TX Flex PPO Plan

Latest News

Why Choose Consumers Direct Insurance Services of Texas?

Medicare Part A and B Explained

Is Medicare a Advantage Good Deal?

Medicare Readiness Checklist

Medicare Annual Enrollment Period – 5 Questions and Answers