How will my plan change?

The Affordable Care Act requires Blue Cross to expand your coverage in 2014. Here are some required changes that may impact your health plan and your costs this year.

More comprehensive coverage
Blue Cross now covers 10 categories of required benefits called “essential health benefits.” This coverage is more comprehensive and costly than what many individuals buy today. It includes:

  • Dental and vision coverage for children through age 18
  • Maternity and newborn care
  • Mental health and substance abuse services
  • Preventive care and tests, wellness services and management of chronic, or long-term, diseases
  • And more
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  • Changes to your cost sharing
    Blue Cross plans now must cover an estimated percentage of your expected health care costs, depending on the health plan. To meet these thresholds, the cost sharing for your plan may have changed. That means what you pay for health care — in deductibles, coinsurance and copays — could be different. The Affordable Care Act also sets limits on your cost sharing and out-of-pocket limits.

Changes to monthly rates
Blue Cross can no longer base your monthly rate on your medical history. Costs for higher risk people enrolling with Blue Cross will be shared among everyone that is covered.

Pre-existing conditions are covered
Blue Cross now covers pre-existing conditions, which are illnesses or injuries that existed before the health plan coverage began. In addition, no one can be denied coverage based on their health, so costs for higher risk people enrolling with Blue Cross will be shared among everyone that is covered.

The uninsured
Many uninsured Minnesotans will now have access to coverage. The uninsured are expected to have a pent-up demand for health care that will tend to raise the overall use of health care, and these costs will be shared among everyone that is covered.

New taxes and fees
There will be new taxes and fees on coverage for you and your family. These taxes and fees will raise your monthly rates.

Use our rate calculator to see changes to your 2014 health plan ExternalLink