Here’s what to consider when choosing the right plan for you and your employees. The product comparison chart below has all the details.
If you’re looking to lower your monthly rate, choose a BlueBasic plan. It comes with a smaller network to help you save money. Plans with specialized networks will also help you save. See the BluePrint or BlueConnect plans for more specialized networks.
How much do you want your employees to pay out of pocket before their health care coverage kicks in? Usually the higher the deductible you choose, the lower your monthly rate.
Some plans require copays for health care services and products. And some plans require a higher copay to see a specialist, known as a specialty provider copay.
Compare upfront benefits
Some plans cover office visits, urgent care visits or retail health clinic visits before the deductible is met.
A higher coinsurance can help lower your monthly rate.
Compare out-of-pocket maximums
Look for a plan that fits the maximum you want your employees to pay out of pocket each year.
Compare prescription drug coverage
Plans cover generic drugs and brand-name drugs differently.
Do you want a health savings account?
Some plans come with a health savings account or health reimbursement arrangement.
Do your employees often travel or live out of state?
Employeeso are covered at more than 80 percent of physicians nationwide and 90 percent of hospitals with the BlueCard network and have access to hospitals and doctors in more than 200 countries with the BlueCard Worldwide network.
Coverage from Blue Cross