Under 65    Over 65    Groups 1-9    Groups 10-99    Groups 100+    Other Plans

Comprehensive Major Medical

This program offers complete, affordable coverage that provides a safety net. You have a choice of deductibles. After the deductible is met, you pay a 20% coinsurance to a maximum of $1,000 for each person ($2,000 two-or-more-person coverage). Then we pay 100% of allowed charges for covered services for the remainder of the 12-month benefit period. The program offers up to $5 million in lifetime benefits.

Learn how the Blue Choice network enhances your Comprehensive Major Medical coverage

Benefit Summary (Benefits include but are not limited to:)

Hospital Services:

• In-hospital care
• Radiology & lab services
• Ambulance services
• $100 Emergency Room copay
• Surgery & anesthesia
• Outpatient surgery
• Accident coverage – 100% up to $1,000

Medical Services:

• Vision & hearing tests
• Maternity & newborn services
• Eye examinations
• $25 office visit copay
• Prescription drugs – $15/$30/$45 BlueRx Card with mail order
• Home Health Care/Hospice
• Nervous & mental (limited)

Optional Benefits:

• Dental Program
• Hospital Indemnity Program
• Life Insurance
• Plan 150 (Cancer Policy)

Exclusions
See the Exclusions page for details.

Additional Program Information

• Lifetime Maximum - Up to $5 million in lifetime benefits for each covered person.
• Inpatient Admissions - Pre-admission certification is required for all planned inpatient admissions.
• Dependent Coverage - Unmarried dependent children are covered to age 23.
• Benefit Period - The 12-month period based on the group anniversary month.
• Waiting Period - Businesses select a waiting period option.

Triple Option Plan
The Triple Option Plan is available to groups of 2 to 99 employees with this product. The plan offers employees one of three out-of-pocket choices annually within the Comprehensive Major Medical benefit program. The employer must contribute at least 25 percent of the employee-only premium amount for the highest out-of-pocket option. This stabilizes the group's base and gives the employees the option to "buy up" to a better level of coverage, based on their personal insurance needs.

More Information
Contact us to learn more about the features of Comprehensive Major Medical.