Bcbs Select Blue Health Insurance Plans and Benefits

Blue Cross Blue Shield Select Blue is a great option for those looking for affordable health insurance. This plan is designed for individuals and families who want to save money on their premiums.

The Select Blue plan offers a range of benefits, including preventive care services like annual physicals and vaccinations. These services are often covered at 100% of the cost, which can be a huge money-saver.

One of the standout features of Select Blue is its low premium costs. According to the plan details, the average monthly premium for a 30-year-old individual is around $300.

Preventive care services are a key part of the Select Blue plan, and they can help you stay healthy and catch any potential health issues early on.

With BCBS Select Blue, you can customize your plan to fit your needs and budget. Your individual in-network deductibles can range from $0 to $5000, giving you flexibility in choosing the right deductible amount for your situation.

You'll also appreciate the low copayments for office visits and prescription drugs. For instance, you can expect to pay just $20 for an office visit copayment.

The cost of generic prescription drugs is also affordable, with a copayment of just $10. This can help you save money on your prescription medications.

Coinsurance rates vary depending on the plan you choose, but you can expect to pay between 0 and 20 percent of services provided in-network, after deductible and copayments are met.

Annual out-of-pocket maximums are also capped at $1,000 for individuals and $3,000 for families, so you know exactly how much you'll pay in a given year.

Here's a quick rundown of the costs you can expect with BCBS Select Blue:

By choosing a BCBS PPO hospital, doctor, or specialist, you can save on premiums and the cost of covered services. Plus, you don't need to select a primary care physician or obtain a referral to see a specialist.

With BlueCross BlueShield SelectBlue plans, you have a range of coverage options to suit your needs.

You can choose from plans with different deductibles, including $0, $250, and $500, which can affect how much you pay out-of-pocket for medical expenses.

SelectBlue plans offer coverage for major hospital, medical, and surgical expenses, as well as daily hospital room and board, miscellaneous hospital services, and out-of-hospital care.

Using participating providers can result in higher benefits and lower costs for you.

One of the benefits of SelectBlue plans is the flexibility to visit any doctor or hospital without needing a primary care doctor or referral.

You can customize your SelectBlue plan with add-on coverage and insurance, such as optional maternity coverage or dental coverage.

Optional maternity coverage includes inpatient and outpatient hospital services, as well as medical and surgical services, and begins 365 days after the effective date of the coverage.

Optional dental coverage offers cleanings, check-ups, and other preventive procedures immediately, with a maximum benefit amount of up to $1,500 per person per year.

Here's a breakdown of the prescription drug card benefit for SelectBlue plans with $0, $250, and $500 deductibles:

Keep in mind that there are limitations to each plan, including pre-existing conditions, and it's essential to review the plan's Outline of Coverage for details on policy renewability, benefit exclusions, and coverage limitations.

The deductibles for BCBS Select Blue plans vary depending on the specific plan you choose. For example, the BlueChoice Select plans have deductibles of $1,000, $1,750, $2,500, or $5,000.

If you have a BlueChoice Select plan with a deductible, you'll pay for prescriptions until you reach your deductible, then the plan pays 80% of all prescription drug costs until you reach your $3,000 out-of-pocket expense limit.

Some plans, like the SelectBlue plans with $0, $250, or $500 deductibles, have a prescription drug card benefit that includes a $10 copay for generic medications, 35% coinsurance for brand medications, and 50% coinsurance for non-formulary drugs.

If you're considering a plan with a $0, $250, or $500 deductible, you're in luck – there's a prescription drug card benefit that's immediately available and not subject to a deductible.

This benefit includes a $10 copay for generic medications, 35% coinsurance for brand medications that are part of the formulary, and 50% coinsurance for non-formulary brand medications, with a maximum out-of-pocket expense of $100 per prescription.

You can also take advantage of a Home Delivery prescription benefit, which allows you to receive a 90-day supply of medications in the mail for the cost of a 60-day supply, with a maximum cost of $300 per prescription.

Here's a breakdown of the outpatient prescription drug benefit for these plans:

Home Delivery prescriptions are also available, with a $20 co-payment for generic medications, 35% coinsurance for brand medications that are part of the formulary, and 50% coinsurance for non-formulary brand medications, with a maximum cost of $300 per prescription.

The BlueChoice Select and SelectBlue plans offer different deductible options, including $1,000, $1,750, $2,500, and $5,000. These deductibles apply to both medical and prescription costs.

If you have a $1,000, $1,750, $2,500, or $5,000 deductible plan, you'll pay 20% of outpatient prescription drug costs until you reach your deductible. After that, the plan pays 80% of prescription costs until you reach your out-of-pocket expense limit.

The out-of-pocket expense limits vary by plan, with the BlueChoice Select plan having a $3,000 limit and the SelectBlue plan having a $1,000 limit. If you reach your out-of-pocket expense limit, BCBS pays 100% of your prescription costs.

Here's a summary of the prescription drug benefits for each plan:

If you're considering a health plan with a deductible, it's essential to understand how it works. A deductible is the amount you pay out-of-pocket for healthcare expenses before your insurance plan kicks in.

The amount of your deductible can vary greatly, ranging from $0 to $5,000, depending on the plan you choose. For example, the BlueChoice Select plans have deductibles of $1,000, $1,750, $2,500, and $5,000.

The good news is that once you reach your deductible, your insurance plan will start covering a significant portion of your healthcare costs. For the BlueChoice Select plans, this means you'll pay 20% of your prescription drug costs, and the plan will cover 80%.

It's also worth noting that some plans have additional benefits, such as a prescription drug card benefit that includes a $10 copay for generic medications. This benefit is available immediately, without having to meet a deductible.

Here's a breakdown of the outpatient prescription drug benefits for the BlueChoice Select and SelectBlue plans:

Remember, it's essential to carefully review your plan's outline of coverage to understand the specific details of your plan, including any limitations or exclusions.

A pre-existing condition can limit or exclude your participation in a plan, which means your health care expenses related to that specific condition will not be covered by the plan during a specified time.

The waiting period for pre-existing conditions is 365 days, including optional maternity coverage.

This waiting period applies to all BCBS Select Blue plans, including BlueChoice Select and SelectBlue.

If you have a pre-existing condition, it's essential to review your plan's exclusions and limitations to understand what's covered and what's not.

For a list of exclusions and limitations, be sure to check your benefit summary.

Here's a quick rundown of what you can expect:

Keep in mind that the waiting period is a standard feature of all BCBS Select Blue plans, so it's essential to factor it into your health care planning.

SelectBlue offers a range of deductible options, from $0 to $5,000.

You can choose from a variety of deductible levels, including $0, $250, $500, $1,000, $2,500, and $5,000.

The Individual Out-of-Pocket Expense Limit is $1,000 for SelectBlue, but it's higher at $3,000 for SelectBlue AdvantageSM.

You'll pay a $20 copayment for well-adult care and well-child care under SelectBlue, but it's $30 with SelectBlue AdvantageSM.

Coinsurance rates vary depending on the plan, with SelectBlue offering 0% or 20% and SelectBlue AdvantageSM requiring 20%.

Here's a breakdown of the deductible options for SelectBlue and SelectBlue AdvantageSM: