BlueCross BlueShield Silver plans offer a higher level of coverage than Bronze plans, and those who purchase on-exchange may also be eligible for cost-sharing reductions based on income, lowering deductibles and co-pays. Silver plans are ideal for people who have regular medications or utilize specialist or doctors visits more often than their included yearly check-up. Silver plans are a good “middle of the road” option for people who might need to utilize their healthcare options more but may not be able to afford higher premium payments.
The Best Silver Plan
This HSA Eligible plan has a lower deductible and OOP max, meaning you can save for the expenses you do incur and still have a higher level of pretection in the event of unexpected health costs. The Blue Advantage Plus plans also offer some out of network benefits even though this is still technically an HMO, so if your doctor isn’t in any individual plan network for 2017, this is likely your best option.
|Plan Name||Blue Advantage Silver HMO 102||Blue Advantage Silver HMO 103||Advantage Silver HMO 107||Blue Advantage Plus Silver 102 (Three $0 PCP Visits)|
|Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.||$3,000||$3,750||3,500||$3,250|
|CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max||30%||0%||20%||20%|
|Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services (includes deductible)||$7,150||$3,750||$7,150||$6,850|
|Primary Care Office Visit||$40||$30||100% after deductible||First three visits $0, then 20%|
|Specialist Office Visit||$60||100% after deductible||$65||20%|
|Mental Illness Treatment and Substance Abuse Rehab Office Visit||$40||40%||$30||$0|
|Emergency Room||$600 per occurrence copay, then 30%||40%||$400 copay after deductible||$600 per occurrence copay, then 20%|
|Urgent Care||$40||100% after deductible||100% after deductible||$20|
|Inpatient Hospital Service||$500 per occurrence copay, then 30%||100% after deductible||20%||$400 per occurrence copay, then 40%|
|Outpatient Surgery||$300 per occurrence copay, then 50%||100% after deductible||$20%||$300 per occurrence copay, then 40%|
|Outpatient X-Rays and Diagnostic Imaging||50%||$100||40%||$2,750|
|Outpatient Imaging (CT/PET Scans/MRIs)||30%||100% after deductible||20%||40%|
|Network||Blue Advantage HMO|
|Outpatient Prescription Drugs – Preferred Pharmacy||$0/$10/$50/$100/30%||100% after deductible||$15/$15/$50/$100/40%||$0/$10/$50/$100/30%|
|Outpatient Prescription Drugs – Non-Preferred Pharmacy||$5/$15/$60/$110/30%||100% after deductible||$15/$15/$50/$100/40%||$5/$15/$60/$110/30%|
|Prescription Drug Utilization Benefit Management Programs||Specialty Pharmacy Program: To be eligible for maximum benefits, specialty medications must be obtained through the preferred Specialty Pharmacy provider. Member Pay the Difference: When choosing a brand name drug over an available generic equivalent, you pay your usual share plus the difference in cost. Prior Authorization/Step Therapy Requirements: Before receiving coverage for some medications, your doctor will need to receive authorization from BCBSWI and you may first need to try more clinically appropriate or cost-effective drugs. Mail-Order Program: You may receive up to a 90-day supply for prescription drugs through the mail-order program or at select retail pharmacies depending on your prescription drug benefit.|
When you begin shopping for a Marketplace health plan, you’ll see plan options with different metal tiers such as Gold, Silver and Bronze plans. But the only difference between these plans is how much premium you’ll pay each month and how much you’ll pay for certain medical services. A Bronze plan typically gives you lower monthly premium payments, but potentially higher out-of-pocket costs – if you end up needing a lot of care. And a Gold plan may have higher monthly premiums, but that helps you limit your out-of-pocket costs later. If you’re looking for a balance on your monthly premium payments and your out-of-pocket costs, Silver plans provide just that. And, Silver plans are the only plans with additional out-of-pocket payment reductions (cost sharing reductions)! This helps lower the costs of your copays, deductibles and coinsurance. So, if you are eligible for a subsidy and cost sharing, Silver plans offer the highest value.
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