Health plans as individual as you are. Coverage that works for you
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1 Health plans as individual as you are Coverage that works for you
2 You re unique and have unique health care needs. At Blue Cross and Blue Shield of Minnesota, we understand and offer a wide range of plans designed for the way you live. Why choose Blue Cross as your health plan? With Blue Cross, you get more than a top quality health plan from a trusted source. You get choice. You can select short or long-term coverage, a traditional plan or one with a tax-advantaged health savings account. You can even choose one that pays your medical expenses right from the start. And every Blue Cross individual plan includes these benefits: You get support to live healthier. You ll have access to our online wellness center and proven-effective stop-smoking program, as well as the 24-hour nurse advice line. Most plans include our fitness discounts program featuring the largest network of participating clubs in the state. Choose any doctor. If you select a doctor within our network you ll get the most from your benefits. That should be easy because our network includes more than 95 percent of Minnesota providers. You ll get prescription drug coverage. Included in all our plans with Blue Cross discounted pricing at participating pharmacies. Save money with more deductible options. The higher deductible you take, the more money you ll save on your premium. Get the convenience of retail health clinics (such as Minute Clinic). Take advantage of conveniently located retail health clinics for many common ailments. The clinics are part of our provider network. You re covered everywhere you go. Get the care you need from providers all over the world with the BlueCard network. Access your plan information online 24/7. With mybluecross at bluecrossmn.com, all of your plan s information is right at your fingertips. Get information about doctor and hospital quality, look up claims, get member ID cards, check account balances and more. Take advantage of discount programs. Save money on eyewear and laser vision correction from selected providers. Get discounts on Weight Watchers programs and complementary care services like massage, acupuncture and health supplements. 1
3 Which plan is right for you? Options Blue A plan that puts you in control with a health savings account You re independent. Maybe running your own business. And you re responsible for choosing a health plan. Options Blue is perfect for you and/or your family for a lot of good reasons. It s a high-deductible health plan to help keep costs down paired with a health savings account that can give you tax advantages. You re in charge of how you spend your health care dollars and Blue Cross gives you the tools to make those decisions. Aware Care SM Traditional health care coverage for you and your family You re the kind of person that likes the predictability that a traditional plan offers. Aware Care is the answer for you and your family. It covers hospital and medical services, annual checkups, immunizations, prescription drugs and more. And with ten deductible options, you can choose the one that best meets your budget. Simply Blue A new, affordable plan that starts to pay right way Maybe you re at the point in your life when you are on your own and not covered by a health plan. You re probably in good health but you realize that you need protection for a sudden or unexpected event. Simply Blue is our plan that includes the essential coverage for what you really need but doesn t include extra coverage for what you don t. It s an affordable health plan that s easy to understand. Insta-Care SM A temporary health plan when you need coverage immediately You may need health coverage to protect you as you make transitions in your life. Maybe you ve just graduated, or are between jobs or waiting for your employer s group coverage to take effect. Insta-Care is the answer. It s short-term health care coverage that you can get right away to bridge the gap. A plan for 30-, 60- or a 90-day period that covers a long list of medical and hospital services (except mental health and pre-existing conditions) and a choice of rates to fit your budget. For more information Your independent agent is a Blue Cross expert. He or she can look at your unique situation, answer your questions and make recommendations that work for you. To find an agent, use the agent locator at bluecrossmn.com or look in the Insurance section in the yellow pages. Or, you can call (651) , toll free
4 Quick view of individual plans Options Blue Aware Care Simply Blue Annual deductible several options $300 - $10,000 $5,000/$7,500/$10,000 Annual out-of pocket maximum First-dollar coverage for office visits First-dollar coverage for preventive care if selected First-dollar coverage for prescription drugs ($300 plan only) Maternity care (labor and delivery) Mental health Fitness discounts program 24-hour nurse advice line Stop-smoking program Care support program Lifetime maximum $5 million $5 million $5 million Dependent coverage available For short-term immediate coverage Insta-Care Option 1 Option 2 Option 3 Annual deductible single family $300 single $900 family $500 single $1,500 family $1,000 single $3,000 family Annual out-of pocket maximum Immediate coverage No health history required 30-, 60-, 90-day coverage periods Lifetime maximum $1 million $1 million $1 million Dependent coverage available Insta-Care does not cover services for mental health or for any pre-existing conditions. A pre-existing condition is any injury, illness, or condition for which the covered person had medical treatment, symptoms, or any manifestations before the effective date of coverage. Benefits are based on the allowed amount. If you see a doctor who isn t in the Blue Cross network, you re responsible for any charges over the allowed amount. Any health condition that may have occurred during a previous Insta-Care contract will be treated as a pre-existing condition under subsequent Insta-Care contracts. 3
5 How to apply for one of our plans 1 Choose the plan that s right for you. 2 Complete and sign the application in the pocket at the back of this folder. 3 Follow the instructions in the Pay-O-Matic brochure in the back pocket of this folder if you decide on the automatic withdrawal method of monthly payment. 4 Send the original application, your payment and any Pay-O-Matic information to the address on the application. The application and payment must be received by Blue Cross within 15 days of the date of your signature. Minnesota law prohibits Blue Cross from accepting an employer s check for individual plans. Please pay by personal check or money order. 5 Be sure to allow time for Blue Cross to process your application. Once it s approved, Blue Cross will confirm the effective date of your coverage.
6 F8891 (1/07)
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