Blue Choice Minimum Value

Basic Plan Summary Member Pays
Deductible (Per group anniversary benefit period) $6,350/$12,700 individual/two-or-more persons
Coinsurance (Member portion for most services) $0
Coinsurance maximum
Annual Out-of-Pocket Maximum (Includes copays and deductible) $6,350/$12,700 individual/two-or-more persons After the annual out-of-pocket amount has been reached (deductible), 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 (Includes eye exam) Subject to deductible
Preventive care as defined by the Affordable Care Act These services are paid at 100% of the allowable charge.
Some of the services include:
  • Routine screenings
  • Preventive immunizations
  • Well-woman visits/screenings
  • Contraceptive methods
Drug Coverage
Prescription drugs Subject to deductible
Mail order drugs
Medical Services
Emergency medical transportation Subject to deductible
Inpatient surgery physician/surgical
Inpatient facility fee
Outpatient surgery physician/surgical
Outpatient lab and radiology
Advanced imaging (CT/PET scans, MRIs)
Emergency Room
Accidental Injury Services Subject to deductible
Recovery/Special Needs
Outpatient rehabilitation Subject to deductible
Hospice
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
Mental illness/substance use disorders - outpatient services
Other
Lifetime maximum Unlimited
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.

Optional Benefits:

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 Minimum Value 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 Blue Choice Minimum Value.