Secure Blue Courage (PPO)
Available to residents of Ada County, ID for 2027. Contract H1302, plan 004, segment 0.
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- Browse the Secure Blue Courage (PPO) formulary
2027 drug-by-drug coverage is not published by CMS yet. The drug lookup covers 2026, whose formulary is live.
New for 2027. This plan has no 2026 predecessor in the CMS crosswalk. Every ID plan’s 2026–2027 changes →
Plan details
| Monthly premium (Part C + D) | $0.00 |
|---|---|
| — medical (Part C) part | $0.00 |
| — drug (Part D) part | —? |
| Part B premium reduction (giveback) | $45.00 a month?You must continue to pay your Medicare Part B premium. |
| In-network out-of-pocket maximum | $5,200.00? |
| In- and out-of-network out-of-pocket maximum | $7,000.00 |
| Drug deductible | this plan has no drug coverage |
| Plan type | PPO? |
| Contract / plan | H1302-004-0 |
| Offered by | Blue Cross of Idaho |
| Parent organization | Gemstone Holdings, Inc. |
| Pharmacy search | bcidaho.com/FindAPharmacy |
| Member services | (888)492-2583TTY 711 |
CMS star ratings
- Overall
- —
- Health plan (Part C)
- 2.5 out of 5 stars for Health plan (Part C)
- Drug plan (Part D)
- —
Published per contract — every plan under contract H1302 shares this rating.
Plan health benefits
| Service | In-network | Out-of-network? |
|---|---|---|
| Doctor visits | ||
| Primary care doctor | $0 copay | $45 copay |
| Specialist | $40 copay(referral required) | $45 copay |
| Other health care professional | $0–$40 copay(authorization and referral required) | $45 copay |
| Additional telehealth services | $0–$40 copay(referral required) | — |
| Preventive care | ||
| Medicare-covered preventive services | $0 copay | $0 copay |
| Annual physical exam | $0 copay | 25% coinsurance |
| Kidney disease education | $0 copay(referral required) | $0 copay |
| Glaucoma screening | $0 copay(referral required) | $0 copay |
| Diabetes self-management training | $0 copay(referral required) | $0 copay |
| Diagnostic tests, labs and imaging | ||
| Diagnostic tests and procedures | $30 copay; 10% coinsurance(authorization and referral required) | 25% coinsurance |
| Lab services | $0 copay(authorization and referral required) | 25% coinsurance |
| Diagnostic radiology (e.g. MRI, CT) | $0–$200 copay(authorization and referral required) | 25% coinsurance |
| Therapeutic radiology | 10% coinsurance(authorization and referral required) | 25% coinsurance |
| Outpatient x-rays | $15 copay(authorization and referral required) | 25% coinsurance |
| Emergency and urgent care | ||
| Emergency room | $130 copay | — |
| Urgent care | $50 copay | — |
| Worldwide emergency coverage | $0 copay | — |
| Worldwide urgent care | $0 copay | — |
| Worldwide emergency transportation | $0 copay | — |
| Hospital care | ||
| Inpatient hospital stay | $350 per day for days 1–5; $0 per day for days 6–90(authorization and referral required) | $350 per day for days 1–10; $0 per day for days 11–90 |
| Outpatient hospital services | $0–$325 copay(authorization and referral required) | 20% coinsurance |
| Outpatient observation | $325 copay(authorization and referral required) | 20% coinsurance |
| Ambulatory surgical center | $0–$225 copay(authorization and referral required) | 20% coinsurance |
| Outpatient blood services | $0 copay(referral required) | 25% coinsurance |
| Skilled nursing and home health | ||
| Skilled nursing facility | $0 per day for days 1–20; $221 per day for days 21–55; $0 per day for days 56–100(authorization and referral required) | $100 per day for days 1–12; $221 per day for days 13–100 |
| Home health care | $0 copay(referral required) | 20% coinsurance |
| Kidney dialysis | 20% coinsurance(referral required) | 20% coinsurance |
| Rehabilitation | ||
| Occupational therapy | $40 copay(referral required) | $45 copay |
| Physical therapy and speech-language therapy | $40 copay(referral required) | $45 copay |
| Cardiac rehabilitation | $25 copay(referral required) | $40 copay |
| Pulmonary rehabilitation | $15 copay(referral required) | $40 copay |
| Mental health and substance use | ||
| Inpatient psychiatric hospital stay | $350 per day for days 1–5; $0 per day for days 6–90(authorization and referral required) | $350 per day for days 1–10; $0 per day for days 11–90 |
| Outpatient mental health, individual session | $0 copay(referral required) | 25% coinsurance |
| Outpatient mental health, group session | $0 copay(referral required) | 25% coinsurance |
| Psychiatrist, individual session | $40 copay(referral required) | 25% coinsurance |
| Psychiatrist, group session | $40 copay(referral required) | 25% coinsurance |
| Partial hospitalization | $40 copay(authorization and referral required) | 25% coinsurance |
| Intensive outpatient program | $40 copay(authorization and referral required) | 25% coinsurance |
| Outpatient substance use, individual session | $0 copay(referral required) | 25% coinsurance |
| Outpatient substance use, group session | $0 copay(referral required) | 25% coinsurance |
| Opioid treatment program | $0 copay(referral required) | 25% coinsurance |
| Ambulance and transportation | ||
| Ground ambulance | $275 copay(authorization required) | $275 copay |
| Air ambulance | $275 copay(authorization required) | $275 copay |
| Transportation to plan-approved locations | Not covered | — |
| Medical equipment and supplies | ||
| Durable medical equipment (e.g. wheelchairs, oxygen) | 20% coinsurance(authorization required) | 30% coinsurance |
| Prosthetics (e.g. braces, artificial limbs) | 20% coinsurance(authorization required) | 30% coinsurance |
| Medical supplies | 20% coinsurance(authorization required) | 30% coinsurance |
| Diabetes supplies | $0 copay | 30% coinsurance |
| Diabetic therapeutic shoes or inserts | 20% coinsurance | 30% coinsurance |
| Chiropractic, acupuncture and foot care | ||
| Chiropractic (Medicare-covered) | $15 copay(referral required) | $40 copay |
| Routine chiropractic care | Not covered | — |
| Acupuncture | Not covered | — |
| Foot exams and treatment (Medicare-covered) | $40 copay(referral required) | $45 copay |
| Routine foot care | Not covered | — |
| Dental? | ||
| Medicare-covered dental services | 10% coinsurance | 25% coinsurance |
| Preventive dental plan limit | $500 plan limit every year | — |
| Other diagnostic dental services | Not covered | — |
| Other preventive dental services | Not covered | — |
| Comprehensive dental plan limit | $1,500 plan limit every year | — |
| Restorative services (fillings, crowns) | $0 copay(authorization required, limits apply) | 50% coinsurance |
| Endodontics (root canals) | 50% coinsurance(authorization required, limits apply) | 50% coinsurance |
| Periodontics (gum disease) | $0 copay(authorization required, limits apply) | 50% coinsurance |
| Dentures and other removable prosthodontics | 50% coinsurance(authorization required, limits apply) | 50% coinsurance |
| Maxillofacial prosthetics | Not covered | — |
| Implants | 50% coinsurance(authorization required, limits apply) | 50% coinsurance |
| Bridges and other fixed prosthodontics | 50% coinsurance(authorization required, limits apply) | 50% coinsurance |
| Oral and maxillofacial surgery | $0 copay(authorization required) | 50% coinsurance |
| Orthodontics | Not covered | — |
| Adjunctive general services | $0 copay(authorization required) | 50% coinsurance |
| Vision? | ||
| Eye exam (Medicare-covered) | $0 copay(authorization and referral required) | $0 copay |
| Routine eye exam | $20 copay(authorization and referral required, limits apply) | 50% coinsurance |
| Eyewear after cataract surgery (Medicare-covered) | $0 copay(authorization and referral required, limits apply) | $0 copay |
| Contact lenses | $0–$35 copay(authorization and referral required, limits apply) | $0–$35 copay |
| Eyeglasses (frames and lenses) | $35 copay(authorization and referral required, limits apply) | 50% coinsurance |
| Eyeglass lenses | Not covered | — |
| Eyeglass frames | Not covered | — |
| Eyewear upgrades | $0 copay(authorization and referral required, limits apply) | 50% coinsurance |
| Hearing? | ||
| Hearing exam (Medicare-covered) | $20 copay(referral required) | $45 copay |
| Routine hearing exam | $0 copay(referral required, limits apply) | 90% coinsurance |
| Hearing aid fitting and evaluation | $0 copay(referral required) | 90% coinsurance |
| Hearing aids (all types) | $499–$999 copay(limits apply) | 90% coinsurance |
| Hearing aids, inner ear | Not covered | — |
| Hearing aids, outer ear | Not covered | — |
| Hearing aids, over the ear | Not covered | — |
| Medicare Part B drugs | ||
| Part B insulin | 0%–20% coinsurance(authorization required, step therapy may apply) | 0%–30% coinsurance |
| Chemotherapy and radiation drugs | 0%–20% coinsurance(authorization required, step therapy may apply) | 0%–30% coinsurance |
| Other Part B drugs | 0%–20% coinsurance(authorization required, step therapy may apply) | 0%–30% coinsurance |
| Other extra benefits? | ||
| Over-the-counter (OTC) allowance | Not covered | — |
| Meals after a hospital stay or for a chronic condition | Not covered | — |
| Fitness benefit | $0 copay | 90% coinsurance |
| Health education | Not covered | — |
| Nutritional / dietary benefit | Not covered | — |
| Extra smoking and tobacco cessation counseling | Not covered | — |
| Enhanced disease management | Not covered | — |
| Telemonitoring | Not covered | — |
| Remote access technologies (web/phone, nurse line) | Not covered | — |
| Home and bathroom safety devices | Not covered | — |
| Counseling services | Not covered | — |
| In-home safety assessment | Not covered | — |
| Personal emergency response system (PERS) | Not covered | — |
| Medical nutrition therapy | Not covered | — |
| Post-discharge in-home medication reconciliation | Not covered | — |
| Re-admission prevention | Not covered | — |
| Wigs for hair loss from chemotherapy | Not covered | — |
| Weight management programs | Not covered | — |
| Alternative therapies | Not covered | — |
| Therapeutic massage | Not covered | — |
| Adult day health services | Not covered | — |
| Home-based palliative care | Not covered | — |
| In-home support services | Not covered | — |
| Support for caregivers | Not covered | — |
In-network cost-sharing as the plan filed it with CMS (CMS plan benefit package (PBP) files, CY2027). A range means the cost depends on the service or setting. Rows the filing does not state are left out rather than guessed; an out-of-network dash means the plan files no separate out-of-network cost for that service. Contact the plan for the full Evidence of Coverage.
Star rating measures
| Measure | 2027 | 2026 |
|---|---|---|
| Staying Healthy: Screenings, Tests and Vaccines | ||
| Breast Cancer Screening · C01 | 2 out of 5 stars for Breast Cancer Screening | 2 out of 5 stars for Breast Cancer Screening |
| Colorectal Cancer Screening · C02 | 2 out of 5 stars for Colorectal Cancer Screening | 3 out of 5 stars for Colorectal Cancer Screening |
| Annual Flu Vaccine · C03 | 2 out of 5 stars for Annual Flu Vaccine | 2 out of 5 stars for Annual Flu Vaccine |
| Improving or Maintaining Physical Health · C04 | 2 out of 5 stars for Improving or Maintaining Physical Health | 2 out of 5 stars for Improving or Maintaining Physical Health |
| Improving or Maintaining Mental Health · C05 | 2 out of 5 stars for Improving or Maintaining Mental Health | 3 out of 5 stars for Improving or Maintaining Mental Health |
| Monitoring Physical Activity · C06 | 1 out of 5 stars for Monitoring Physical Activity | 2 out of 5 stars for Monitoring Physical Activity |
| Managing Chronic (Long Term) Conditions | ||
| Diabetes Care – Eye Exam · C11 | 2 out of 5 stars for Diabetes Care – Eye Exam | 2 out of 5 stars for Diabetes Care – Eye Exam |
| Diabetes Care – Blood Sugar Controlled · C12 | 3 out of 5 stars for Diabetes Care – Blood Sugar Controlled | 4 out of 5 stars for Diabetes Care – Blood Sugar Controlled |
| Kidney Health Evaluation for Patients with Diabetes · C13 | 1 out of 5 stars for Kidney Health Evaluation for Patients with Diabetes | 2 out of 5 stars for Kidney Health Evaluation for Patients with Diabetes |
| Controlling High Blood Pressure · C14 | 2 out of 5 stars for Controlling High Blood Pressure | 2 out of 5 stars for Controlling High Blood Pressure |
| Reducing the Risk of Falling · C15 | 2 out of 5 stars for Reducing the Risk of Falling | 1 out of 5 stars for Reducing the Risk of Falling |
| Improving Bladder Control · C16 | 2 out of 5 stars for Improving Bladder Control | 3 out of 5 stars for Improving Bladder Control |
| Transitions of Care · C19 | 3 out of 5 stars for Transitions of Care | 3 out of 5 stars for Transitions of Care |
| Follow-up after Emergency Department Visit for People with Multiple High-Risk Chronic Conditions · C20 | 2 out of 5 stars for Follow-up after Emergency Department Visit for People with Multiple High-Risk Chronic Conditions | 1 out of 5 stars for Follow-up after Emergency Department Visit for People with Multiple High-Risk Chronic Conditions |
| Member Experience with Health Plan | ||
| Getting Needed Care · C21 | 4 out of 5 stars for Getting Needed Care | 4 out of 5 stars for Getting Needed Care |
| Getting Appointments and Care Quickly · C22 | 3 out of 5 stars for Getting Appointments and Care Quickly | 4 out of 5 stars for Getting Appointments and Care Quickly |
| Customer Service · C23 | 4 out of 5 stars for Customer Service | 4 out of 5 stars for Customer Service |
| Rating of Health Care Quality · C24 | 2 out of 5 stars for Rating of Health Care Quality | 4 out of 5 stars for Rating of Health Care Quality |
| Rating of Health Plan · C25 | 2 out of 5 stars for Rating of Health Plan | 3 out of 5 stars for Rating of Health Plan |
| Care Coordination · C26 | 3 out of 5 stars for Care Coordination | 4 out of 5 stars for Care Coordination |
| Member Complaints and Changes in the Health Plan's Performance | ||
| Complaints about the Health Plan · C27 | 5 out of 5 stars for Complaints about the Health Plan | 5 out of 5 stars for Complaints about the Health Plan |
| Members Choosing to Leave the Plan · C28 | 4 out of 5 stars for Members Choosing to Leave the Plan | 5 out of 5 stars for Members Choosing to Leave the Plan |
| Health Plan Quality Improvement · C29 | 2 out of 5 stars for Health Plan Quality Improvement | 4 out of 5 stars for Health Plan Quality Improvement |
| Health Plan Customer Service | ||
| Plan Makes Timely Decisions about Appeals · C30 | 2 out of 5 stars for Plan Makes Timely Decisions about Appeals | not enough data |
| Reviewing Appeals Decisions · C31 | 1 out of 5 stars for Reviewing Appeals Decisions | not enough data |
| Call Center – Foreign Language Interpreter and TTY Availability · C32 | 5 out of 5 stars for Call Center – Foreign Language Interpreter and TTY Availability | 3 out of 5 stars for Call Center – Foreign Language Interpreter and TTY Availability |
| DD2: Member Complaints and Changes in the Drug Plan’s Performance | ||
| Complaints about the Drug Plan · D02 | 5 out of 5 stars for Complaints about the Drug Plan | 5 out of 5 stars for Complaints about the Drug Plan |
| Members Choosing to Leave the Plan · D03 | 4 out of 5 stars for Members Choosing to Leave the Plan | 5 out of 5 stars for Members Choosing to Leave the Plan |
Measures are paired between the two years by name, not by the C/D number: CMS reuses those numbers, and in 2027 nineteen of them refer to a different measure than they did in 2026. A measure introduced for 2027 has no 2026 score to show. Published per contract — every plan under H1302 shares it.
Also available in 23 other ID counties
Benefits in plain text
Secure Blue Courage (PPO) (H1302-004-0) is a 2027 PPO Medicare Advantage health plan without drug coverage offered by Blue Cross of Idaho, available to residents of Ada County, ID.
The monthly premium is $0.00.
The plan reduces the member's Medicare Part B premium by $45.00 a month (a "giveback"); the Part B premium itself must still be paid.
Its in-network out-of-pocket maximum is $5,200.00.
The combined in- and out-of-network out-of-pocket maximum is $7,000.00.
Email a copy of the plan benefit details
Plan facts come from the CMS plan Landscape file and the CMS plan benefit package (PBP) files.