Blue Choice Comprehensive Major Medical
Employer groups may select from a choice of deductible, coinsurance and office visit options.
|Basic Plan Summary||Member Pays|
|Deductible (Per group anniversary benefit period)||$500/$1,000; $1,000/$2,000; $1,500/$3,000; $2,500/$5,000; $3,500/$7,000 individual/two-or-more persons|
|Coinsurance (Member portion for most services)||20%; 40%; 50% of allowed amounts after deductible has been met|
|Coinsurance maximum||$1,000/$2,000; $2,000/$4000; $2,500/$5,000 individual/two-or-more persons|
|Annual Out-of-Pocket Maximum (Includes copays, deductible and coinsurance)||$6,350/$12,700 individual/two-or-more persons After the annual out-of-pocket amount has been reached (deductible/coinsurance), eligible benefits will be paid at 100% of the allowed amount for the remainder of the benefit period.|
|Doctor's Office Visits|
|Home and office visits||$25 office visit copay for primary and specialist;
$35 office visit copay for primary and specialist;
$30 office visit copay for primary with $60 office visit copay on the first 5 visits, then subject to deductible/coinsurance for specialist
|Preventive care as defined by the Affordable Care Act||These services are paid at 100% of the allowable charge.
Some of the services include:
|Prescription drugs||BlueRx Card $15/$30/$45; Mail order is 2½ x copay BlueRx Card $15/$50/$75; Mail order is 2½ x copay BlueRx Card $100/$200 then 50% coinsurance; Mail order is subject to retail deductible/coinsurance|
|Mail order drugs|
|Emergency medical transportation||Subject to deductible/coinsurance|
|Inpatient surgery physician/surgical|
|Inpatient facility fee|
|Outpatient surgery physician/surgical|
|Outpatient lab and radiology||Pays at 100% of allowable charges up to a combined maximum of $300 for each covered person, each benefit period|
|Advanced imaging (CT/PET scans, MRIs)||Subject to deductible/coinsurance|
|Emergency Room||$100/$300 copay then subject to deductible/coinsurance|
|Outpatient rehabilitation||Subject to deductible/coinsurance|
|Home health care|
|Mental Illness/Substance Use Disorders|
|Mental illness/substance use disorders - inpatient services
Requires pre-admission certification from New Directions Behavioral Health at 1-800-952-5906
|Subject to deductible/coinsurance|
|Mental illness/substance use disorders - outpatient services||$25/$35 office visit copay|
|Eligible dependents||Covered to age 26|
Exclusions: Following is a list of common non-covered services. For a complete list of limitations and exclusions, refer to your certificate.
Duplicate benefits provided under federal, state or local laws, regulations or programs except Medicaid; services involving cosmetic or reconstructive surgery (except as stated in the contract); charges for personal items; convalescent or custodial care or rest cure; routine adult eye exams (vision benefits are provided for insureds up to age 19); all keratotomy procedures; blood or payments to donors of blood; any service or supply related to the medical management of obesity, except services covered as preventive health benefits; services or supplies related to sex transformations; services related to the reversal of sterilization procedures; any medically-aided insemination procedure; charges for services by immediate relatives or by members of the household; acupuncture and admission for acupuncture; medically unnecessary services and admissions; services covered and payable under any medical expense payment provision of any automobile insurance policy; mental illness or substance use disorder services provided by a non-eligible provider; services, supplies or treatments not specifically listed as covered in the member’s contract.
Drug coverage limitation: Generic drugs are mandatory if available unless physician prescribes a brand drug.
Additional Program Information
- Inpatient Admissions - Pre-admission certification is required for all planned inpatient admissions.
- 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 large groups 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.
Contact us to learn more about the features of Blue Choice Comprehensive Major Medical.