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Good news. The following benefits are included in all new health insurance plans:
A health plan network is made up of doctors, hospitals and other health care professionals. You’ve probably heard of 2 types, HMOs and PPOs, but networks* can go by many different names. Here’s a quick comparison:
PPO networks vary by size and are different in each state.
HMO networks vary by size and are different in each state. Fewer doctors may accept HMO plans.
It’s always a good idea to stay within your network to get the most out of your plan and avoid unexpected costs. We make it easy to see who’s in our network with Provider Finder®.
*Plan networks vary by state. HMO and PPO networks may not be available in some states.
If cost is more important than choice of doctors, then you may want to compare plans based on the 3 types of out-of-pocket costs.
The fixed amount you must pay every year (or contract term) before your full benefits begin. For example, if your deductible is $1,000, your plan won't pay anything for some services until you've met your $1,000 deductible.
Your share of the costs of a covered health care service — usually a percentage of an eligible expense. You may pay 20% of an allowed service while your health insurance plan pays 80%. Generally, your coinsurance applies after you meet your deductible.
A fixed dollar amount you are required to pay for certain covered services at the time you receive care.
When you shop with us, you can easily compare plans by deductible, coinsurance and copayments.
With prescription drug coverage, your insurance may help pay for your medicine.
Based on your coverage, you may pay either a fixed dollar amount (copayment) or a percentage (coinsurance) of your prescription drug costs.
Your prescription drug benefits include mail order pharmacy services and:
When you apply for a health plan, you may be able to enroll in a dental plan. With our dental plans, you’ll get one of the highest maximum annual benefit levels available per person per year.
A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.
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