It's time to renew your health plan from Blue Cross and Blue Shield of Minnesota. We value your membership and look forward to continuing to serve you.
With Blue Cross, you get the compassion of a cross that's been trusted for 80 years, the security of a shield accepted by more than 90 percent of doctors and specialists and the power of a card that opens doors in all 50 states.
Your monthly rates (also called premiums) depend partly on your age.
Blue Cross also adjusts rates at the beginning of each year. This year, most monthly rates are increasing because:
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:
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.
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.
Health insurance is changing. But you don’t need to figure it out by yourself. The nonprofit company you know and trust is here to help.
You need health care coverage in 2014. Your plan from Blue Cross and Blue Shield of Minnesota meets the requirements of federal health care reform, so you don’t need to worry about tax penalties.*
*Short-term coverage like InstaCare does not meet the health care reform requirement to have health coverage.
If you’re happy with your updated health plan, you don’t need to take any action. Your plan renews automatically. To view your health plan’s new monthly rate, use our rate calculator.
We have a health plan that fits your lifestyle and budget. Choose from basic to comprehensive
coverage, short-term to ongoing health plans, coverage for you or the whole family.
Ways to shop
Open enrollment begins October 1, 2013, for coverage effective January 1, 2014. This open enrollment period will remain open through March 31, 2014. After December 16, 2013, coverage is effective on the following dates:
At Blue Cross, we recognize that you need affordable coverage options. That’s why we’re getting creative to help address the issue of rising health care costs.
Here are some recent initiatives:
1-800-531-6685 (toll free)
You can also talk to your agent or find an agent
Live Fearless with Blue Cross and Blue Shield of Minnesota.
Don't forget your Blue Cross health plan comes with: