Blue
Cross Blue Shield has the following plans available to those under the age of
65. We also have Medicare Part D and Supplements available for those over 65.: 1.
Insta-Care - This is short-term coverage that can be used to fill in the
gaps between other coverage.
(Moving from one plan to another,
transition between jobs, college kids looking for their first job, etc.)
2. Personal
Blue - This is a major medical policy with
a deductible and co-insurance. Premiums are based
on age, smoker/non-smoker, and your choice of
deductible and network* (Aware/Accord). This policy offers
limited maternity coverage.
3. Simply
Blue - This is a policy that offers first dollar coverage for medical
expenses and covers generic
drugs, both with no deductible. It
also offers some benefit for annual checkups and eye exams. Once the
first dollar benefits are used a
deductible will apply. Premiums are based on age, smoker/non-smoker,
and your choice of deductible. The
premiums for this policy are very competitive and everyone likes the
fact that they are getting some
first dollar coverage for their premium dollars. The Accord Network* is the
only network available with this policy.
*Networks:
Aware Network – This is Blue Cross’s most
extensive network. It includes 100% of hospitals and 98% of
doctors
in Minnesota
Accord
Network – This network does not include the
following hospitals/clinics: Mayo Clinic, Rochester;
St.
Mary’s, Rochester; Methodist, Rochester; and Hazelden.
We also work with Assurant Health. You can use the following link to obtain a health insurance quote through Assurant Health:
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