Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Blue adVantage Liberty, 2027

H1248Contract007Plan

PPO · 63 counties in Louisiana

Run by Louisiana Health Service & Indemnity Company (contract H1248), sold as Blue Cross and Blue Shield of Louisiana, owned by Louisiana Health Service & Indemnity Company

Renews in fewer counties

2026 star rating, contract H1248: 4.5 of 5

Blue adVantage Liberty (H1248-007) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $7,151 ($6,900 in 2026). It leaves St. Tammany, LA, a county it served in 2026, where 199 of its members lived; they choose another plan for 2027 (the counties are listed below).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$6,900	$7,151	up $251
Drug deductible	$300	$700	up $400
Specialist visit	$50 copay	$60 copay	up $10
Emergency room	$110 copay	$115 copay	up $5
Hospital stay, in network	$320 a day for days 1–7, then $0 a day for days 8–90	$360 a day for days 1–7, then $0 a day for days 8–90	up $200for a 5-day stay
Eyewear, yearly limit	$200 a year	$100 a year	down $100
Counties served	64	63	down 1
Drug tier 5, specialty tier	29% of the cost	25% of the cost	down 4 points
13 lines do not change
Monthly premium	$0	$0	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Medical deductible, in network	$1,000	$1,000	no change
Skilled nursing facility, in network	$0 a day for days 1–20, then $200 a day for days 21–100	$0 a day for days 1–20, then $200 a day for days 21–100	no change
Ground ambulance, in network	$300 copay	$300 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Hearing aids, yearly limit for both ears	$266.67 a year	$266.67 a year	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 1, preferred generic	$10	$10	no change
Drug tier 2, generic	$18	$18	no change
Drug tier 3, preferred brand	$47	$47	no change
Drug tier 4, non-preferred drug	50% of the cost	50% of the cost	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$10	$10	$0
Tier 2	Generic	$18	$18	$12
Tier 3	Preferred Brand	$47	$47	$45
Tier 4	Non-Preferred Drug	50% of the cost	50% of the cost	50% of the cost
Tier 5	Specialty Tier	29% of the cost	25% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 60 plans open to everyone are sold for 2027, this one included. Against the others, 47 plans have a lower out-of-pocket limit, 12 a higher one. On the premium, 46 the same, 13 a higher one.

Out-of-pocket limits of the 60 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0009 plans

$4,000 to under $6,00016 plans

$6,000 to under $8,000 (this plan)27 plans

$8,000 to $10,0008 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

It stops serving 1 county it served in 2026 (listed in the next section).

The premium and the out-of-pocket limit are the same in all 63 counties: $0 a month and $7,151.

Louisiana

Acadia Allen Ascension Assumption Avoyelles Beauregard Bienville Bossier Caddo Calcasieu Caldwell Cameron Catahoula Claiborne Concordia De Soto East Baton Rouge East Carroll East Feliciana Evangeline Franklin Grant Iberia Iberville Jackson Jefferson Jefferson Davis LaSalle Lafayette Lafourche Lincoln Livingston Madison Morehouse Natchitoches Orleans Ouachita Plaquemines Pointe Coupee Rapides Red River Richland Sabine St. Bernard St. Charles St. Helena St. James St. John the Baptist St. Landry St. Martin St. Mary Tangipahoa Tensas Terrebonne Union Vermilion Vernon Washington Webster West Baton Rouge West Carroll West Feliciana Winn

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

What if you live in a county it leaves?

Its 2026 members in the county listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.

Your coverage: This plan ends for you on December 31, 2026, because it is no longer sold where you live.
October 15 to December 7, 2026: Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
December 8, 2026 to the end of February 2027: A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
If you do nothing: You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).
Without a drug plan: Going 63 days or more in a row without drug coverage can mean a late enrollment penalty if you join a drug plan later; joining by the end of February keeps a January and February gap under 63 days, waiting longer does not.
If you choose Original Medicare: You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.

The 1 county it leaves, most members first
County	Members, Sept. 2026
St. Tammany, LA	199

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).

Who runs this plan?

Plan ID: H1248-007
Legal name of the contract: Louisiana Health Service & Indemnity Company
Sold as: Blue Cross and Blue Shield of Louisiana
Parent company: Louisiana Health Service & Indemnity Company
Plan type: PPO
2026 star rating of the contract: 4.5 of 5 overall; health plan 4 of 5, drug plan 4.5 of 5
Members, September 2026: 1,505
Plan website, as filed with CMS: www.lablue.com/blueadvantage

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in St. Tammany, LAWhere most of its members live; premiums and limits side by side
Every Blue Cross and Blue Shield of Louisiana plan for 2027Its contracts, counties and plans that end
The other 2 plans of contract H1248Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.