Blue Shield

Blue Shield

Blue Shield Health Insurance

This company offers a Medicare plan as well as a supplemental plan (Medigap).

65 Plus Medicare + Choice HMO Plans:

65 Plus plans have no deductibles and cover all inpatient and outpatient care covered by the Original Medicare insurance plan. Eligibility- To be eligible, you must be a Medicare beneficiary entitled to Medicare Part A, and live in one of the plan service areas.

Rates:

No Monthly Premium
Doctor Office Visits $10 for each primary care doctor office visit, $20 for each specialist visit
For each prescription or refill, $10 for formulary generic drugs up to a 30-day supply; $25 for formulary brand drugs up to a 30-day supply; $20 for mail order formulary generic drugs up to a 90-day supply; $50 for mail order formulary drugs up to a 90-day supply

Medicare Supplement Plans (Medigap): They also offer seven standardized Medicare Supplement Plans, which cover most of the Medicare deductibles, coinsurance and co-payments.

Features:

Coverage for some of the gaps in Medicare health care benefits
Freedom to choose any doctor, hospital or other provider who accepts Medicare, without being limited to a network

Blue Shield Deductible Plans offers four affordable health insurance Deductible Plan options – $500, $750, $1,500 and $2,000 – fixed co pays and percentage co-payments vary based on the plan

Features:

For people who visit the doctor less frequently
Members pay 25 or 30 percent for many covered services within the network after meeting the deductible
Preventive care benefits for a fixed co pay before meeting the deductible
Prescription generic drug benefits at participating pharmacies before meeting the deductible

Blue Cross offers several Preferred Savings PPO plans including burniva that protect you against catastrophic health expenses, but at a lower monthly cost than the Deductible plans.

$1,700 and $2,400 Individual Deductible Plans
$3,400 and $4,800 Two-Party or Family Features

Access + HMO plan is available for people who visit the doctor more frequently, gives the option of visiting a specialist without a referal, and free preventative care services.

The Health Maintenance Organization (HMO) plans offer low, fixed co-payments for a wide range of benefits, such as preventive care, inpatient and outpatient hospital services and emergency care.

Rates:

Individual Coverage monthly rate $170, two party monthly rate $330, family monthly rate $512
$10 office visit

Shield Spectrum PPO Plans: Preferred Provider Organization (PPO) plans give your employees direct access to physicians and specialists in the preferred provider network and the option to go out of network.

Features:

Choice of five PPO plans and four multiple plan packages
$0 deductible option
Two-tier provider network
Predictable co-payments, deductibles and co-payment maximums

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