What’s Included with Blue Cross Blue Shield?

• Diagnostic tests and imaging
• Prescription drugs
• Immediate medical attention
• Outpatient surgery
• Preventive care
• Primary care visit to treat an injury or illness
• Special visit and other practitioner office visit
• Maternity care
• Rehabilitation and habilitation services
• Metal health, behavioural health, and substance abuse needs
• Child needs (dental or eye care)

Types of Health Insurance Plans

Subsidiaries of Blue Cross Blue Shield:

• CareFirst
• Anthem
• Premera
• Regence
• Highmark
• Horizon
• Excellus
• Wellmark
• Independence

Plans Reviewed

Bronze Plan

• Overall deductible: For inpatient services, a total of $4,400 per individual must be paid for in-network providers and $8,800 for out-of-network providers. Outpatient services amount to $6,350 for every person if the client chooses a participating provider and $12,700 for non-participating providers.
• Out-of-pocket limit: $12,000 per individual for out-of-network providers and $6,350 for in-network providers
• No maximum annual limit for specific covered services
• Balanced-bill charges, health care, and premiums are not included in the out-of-pocket limit
• Other covered services: Chiropractic care, Infertility treatment, Weight loss program, and bariatric surgery

Silver Plan

• Out-of-pocket limit: $6,000 per individual for in-network providers and $12,000 for out-of-network providers
• No overall annual limit for some covered servicesNo other deductibles for specific services
• Overall deductibles: A total of $1,400 per individual for in-network providers and $2,800 for out-of-network providers. Both do not apply to preventive care services.
• Other covered services: Infertility treatment, Weight loss programs, Bariatric surgery, and Chiropractic care

Gold Plan

• Expenses such as balanced-billed charges, health care, and premiums are not included in the out-of-pocket limit
• Out-of-pocket limit: $5,000 per person for in-network providers and $10,200 for out-of-network providers
• Overall deductibles: $150 per individual for participating providers and $300 for non-participating providers. Both do not apply to preventive care services.
• No maximum annual limit and other deductibles for specific covered services
• Other covered services: Weight loss programs, Bariatric surgery, Chiropractic care, Infertility treatment

Platinum with Dental and Vision Plan

• Overall deductibles: None for both in-network and out-of-network providers. Does not include preventive care services.
• No annual limit on selected covered services
• Out-of-pocket limit: $6,000 per individual for in-network providers and $12,000 for out-of-network providers
• Out-of-limit does not include expenses such as health care, premiums, and balanced-billed charges
• Other covered services: Dental care for both child and adult, Infertility treatment, Routine eye care for adults, Weight loss programs, Bariatric surgery, Glasses for adults, and Chiropractic care

How Much Does It Save You?

Annual Maximum Limit

*Only on specific covered services

Summary

Blue Cross Blue Shield is a well-established company with strong financial ratings. Wide acceptance among health professionals, comprehensive coverage and discounts on medical treatments makes Blue Cross Shield an excellent choice for health insurance.