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

Blue Medicare Freedom+, 2027

H3404Contract004Plan

PPO · 100 counties in North Carolina

Run by Blue Cross and Blue Shield of North Carolina (contract H3404), sold as Blue Cross and Blue Shield of North Carolina, owned by CuraCor Solutions Corp.

Renews for 2027

2026 star rating, contract H3404: 4.5 of 5

Blue Medicare Freedom+ (H3404-004) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026).

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	$9,250	$9,850	up $600
Part B premium reduction, monthly	$100	$76	down $24
Hospital stay, in network	$2,230 a stay	$2,241 a stay	up $11for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–60, then $0 a day for days 61–100	$0 a day for days 1–20, then $221 a day for days 21–60, then $221 a day for days 61–100	up $30for a 30-day stay
11 lines do not change
Monthly premium	$0	$0	no change
Primary care visit	20% of the cost	20% of the cost	no change
Specialist visit	20% of the cost	20% of the cost	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	not offered	not offered	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Counties served	100	100	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.

How does it compare with plans sold where it is?

In the counties it serves, 106 plans open to everyone are sold for 2027, this one included. Against the others, 75 plans have a lower out-of-pocket limit, 30 the same. On the premium, 84 the same, 21 a higher one.

Out-of-pocket limits of the 106 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0006 plans

$4,000 to under $6,00032 plans

$6,000 to under $8,00027 plans

$8,000 to $10,000 (this plan)41 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?

The premium and the out-of-pocket limit are the same in all 100 counties: $0 a month and $9,850.

North Carolina

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

Who runs this plan?

Plan ID: H3404-004
Legal name of the contract: Blue Cross and Blue Shield of North Carolina
Sold as: Blue Cross and Blue Shield of North Carolina
Parent company: CuraCor Solutions Corp.
Plan type: PPO
2026 star rating of the contract: 4.5 of 5 overall; health plan 4.5 of 5, drug plan 4 of 5
Members, September 2026: 1,264
Plan website, as filed with CMS: https://www.bluecrossnc.com/members/medicare

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 Wake, NCWhere most of its members live; premiums and limits side by side
Every Blue Cross and Blue Shield of North Carolina plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H3404Same 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.