Side-By-Side Portfolio
Summary
This comparison chart highlights some of the
most important differences between the BlueChoices products,
providing answers to hot-topic considerations when clients
are determining coverage.
|
The
Products |
| |
|
|
Coinsurance
(in/out-of-network)
|
70/50 % |
80/60 % |
90/70 % |
Deductible
Options
(in/out-of-network)
|
$500/$500
$1,000/$1,000
$2,000/$2,000
|
$300/$300
$500/$500
$1,000/$1,000
|
$300/$300
$500/$500
$1,000/$1,000
|
Maximum
Coinsurance
(in/out-of-network)
|
$3,000/$10,000 |
$2,000/$8,000 |
$1,000/$6,000 |
| Family Deductible |
Each member must meet the
individual deductible; there is no family deductible |
Three individual family members
must meet the deductible (no family aggregate) |
Three individual family members
must meet the deductible (no family aggregate) |
| DRL Deductible Waiver
(Diagnostic Radiology and Lab) |
Not available |
First $500 of diagnostic
radiology and lab covered at 90% per calendar
year, no deductible |
First $500 of diagnostic
radiology and lab covered at 90% per calendar
year, no deductible |
| Office visit
copayments |
Personal physician:
$20
Specialist: $40 |
Personal physician:
$20
Specialist: $40
|
Personal physician:
$20
Specialist: $40
|
The BlueChoices products also share numerous, identical
advantages:
- Ability to mix and match panels and plans
- All plans include preventive benefits
- Primary care physician and specialist referrals
are not required
- Riders
are available, including prescription medication,
dental care, vision, life, disability, chiropractic
and complementary care
- Accidental death is included on all products
- Special Beginnings® prenatal education is included
- BlueCard® national coverage through this one-of-a-kind
program
Other similarities include:
- In-network and out-of-network deductibles accumulate
separately
- Lifetime maximum is $2 million
- Employee
spending accounts available
|
