SelectBlue Family of Plans - Premier Coverage
Simply because you’re not part of a group insurance plan like those offered to employees of large companies, does not mean that you shouldn’t be able to get the same robust level of coverage. Blue Cross Blue Shield of Illinois offers several individual and family plans for people just like you who may not be eligible for group insurance, but aren’t willing to sacrifice quality or coverage. The SelectBlue family of plans offers comprehensive coverage at a price that you can afford. Take some time to familiarize yourself with some key features and decide for yourself if a SelectBlue plan is the right choice for you.
There are three SelectBlue plans to choose from, each offering different out-of-pocket expense limits, deductibles, coinsurance, and network coverage- SelectBlue, SelectBlue Advantage and BlueChoice Select. All three plans give you the flexibility to go to the hospital or doctor of your choice, although your benefits will be higher and your costs will be lower if you use the services of participating PPO or BlueChoice providers. The BlueChoice network gives you another way to save money on premiums when you choose a contracting BlueChoice hospital, doctor or specialist. Either way, you can choose your own doctor, and will never need a referral to see a specialist.
Comprehensive Coverage
If you’re looking for comprehensive coverage, the SelectBlue family is a great choice. All three plans offer coverage that includes major hospital, medical and surgical expenses. This means hospital room and board, miscellaneous hospital services, anesthesia and surgical services, in hospital medical services and out of hospital care. All preventive care services are covered 100%, including diagnostic testing. Plus, prescription drug coverage is available and all three plans offer the option of adding dental coverage. As is always the case with Blue Cross Blue Shield of Illinois, your health insurance plan will never be terminated because of the condition of your health, nor will they ever refuse to renew your policy.
Cost
With all insurance, there are deductibles, coinsurance and copayments. However, with the SelectBlue family of plans, you can choose from several different deductibles, ranging from 0 to $5,000. In addition, you decide the level of coinsurance that you’re comfortable with from 0% to 20% after deductibles and copayments are met. There’s easy $10 copays for generic prescription drugs and predictable doctor visit copayments between $20 and $30. With all three plans, the annual out-of-pocket expense is $1,000-$3,000 for individuals and $3,000-$9,000 for families.
Finding reliable health insurance without the help of an employer may be tricky. However, with SelectBlue plans from Blue Cross Blue Shield of Illinois, finding comprehensive, reliable coverage at an affordable price is easy. Choose your own deductible amount and coinsurance and relax with predictable copayments. You may not be in a group plan, but you can certainly be insured like you are. Call Blue Cross Blue Shield of Illinois today and ask how you can learn more with SelectBlue.
Click here to download SelectBlue Outline of Coverage
