BlueValue Individual Health Insurance Plans
In today’s uncertain world, everyone needs health insurance. In fact, with the cost of medical treatment on the rise, without essential health care coverage, even one trip to the hospital can leave you in financial ruins. For most people, this is simply a risk they’re not willing to take, making finding affordable, quality health insurance a top priority.
Luckily, Blue Cross Blue Shield of Illinois makes it possible for the budget conscious individual to secure dependable, reliable health care coverage at a price that is affordable. As part of their commitment to bring value to their customers, Blue Cross Blue Shield of Illinois offers individual and family plans for every need. The BlueValue family of plans offers flexibility with three budget conscious plans, each with affordable premiums and essential coverage and benefits.
BlueValue Options
There are three BlueValue plans that offer affordable premiums with essential coverage and benefits -BlueValue, BlueValue Advantage and BlueChoice Value. Each plan has the same key coverage and plan features but differ significantly as it relates to annual out-of-pocket expense limits, deductibles, coinsurance and network coverage. This flexibility allows you to customize a plan that not only provides essential coverage, but also, meets your budget.
BlueValue Coverage
You can relax with a BlueValue plan from Blue Cross Blue Shield of Illinois, because all major hospital, medical and surgical expenses incurred as a result of accident or sickness are covered. This includes room and Board at the hospital, miscellaneous hospital services, surgical and anesthesia services, in hospital medical services and out of hospital care. Prescription drugs are covered 80 percent, with a convenient mail service program, giving you the chance to have covered maintenance medications mailed directly to you. Remember, with BlueValue, you always have the option of adding on coverage like maternity care or dental to your existing plan.
BlueValueCosts
As with most other types of health insurance, BlueValue plans require that you pay a deductible, copayments and coinsurnace. However, with deductibles as low as $250 and as high as $5000, you choose your own amount, creating a plan that fits your unique financial situation. Typically, coinsurance ranges from 0 to 20 percent of services provided (in network and after deductibles and copayments have been met). Nevertheless, BlueValue offered by Blue Cross Blue Shield of Illinois has annual out-of-pocket maximums, with $1,000-$3,000 for individuals and $3,000-$9,000 for families. While there are no restrictions on your choice of doctor, selecting providers within the PPO network will significantly reduce your costs.
BlueValue offered by Blue Cross Blue Shield of Illinois provides the best in both coverage and affordability. The flexibility to choose your own deductible amount lets you customize a plan that works best for your specific financial situation. Coverage is complete, including major hospital, medical and surgical care, giving you the peace of mind that comes from knowing that you and your family are protected in the event that you need medical care.
Click here to download BlueValue Outline of Coverage
