See how learning as much as you can now may help you choose the right 2018 health care plan:
Know Your Health Care Plan Options
We have three levels of health care plans available for 2018 – bronze, silver and gold. Here’s a breakdown of each level’s costs:
Lowest premium costs, higher out-of-pocket costs when you receive care.
Higher premium costs, lower out-of-pocket costs compared to Bronze.
Higher premium costs, lower out-of-pocket costs compared to Silver.
Also, here are four things to think over when comparing health care plans:
- How much do you want to spend each month and year.
- How often do you go to the doctor or need care.
- Any prescription drugs you may take or need.
- If your preferred doctors and hospitals are in each plan’s network.
As a reminder, you can shop on our website or call your health care plan agent during Open Enrollment to compare health plans.
How to Assign Your Agent When Shopping Online
- Select Find an Agent
- Enter agent’s information, like first name, last name, agency, agency ID, email address, city, state, zip code and phone number
- Select Search
- Select the right name to add to your application
Learn About Financial Assistance Options
There are two ways you may get financial help.
Premium Tax Credit
Based on your income and family size, you may be able to get a premium tax credit (PTC) or other financial assistance to help pay for your coverage.
Already a Member?
If you are already getting financial help with a PTC, your 2018 monthly payment could be lower than shown in the 2018 information you got in the mail.
Please call 1-855-414-2227 to see if you qualify for federal assistance with our tax credit estimator.
Note: If you're an American Indian or an Alaskan Native, your cost sharing amounts and plan choices may be different.
Cost Sharing Reductions
If you sign up for a Silver plan, you may also be able to get discounts to help lower your out-of-pocket costs, like deductibles, coinsurance, copayments and pharmacy costs.
These are called cost sharing reductions or CSRs.
Remember, these savings are only offered with 2018 Silver plans.
If you don't qualify for a CSR, a Bronze or Gold plan may work better with your budget.
Learn How To Save With Value Pharmacy Network
Your prescription drug benefit plan may have a Value Pharmacy Network. When you go to a value pharmacy to fill a prescription, you’ll pay less out-of-pocket by staying in-network.
As a reminder, be sure to check if your drug is on your 2018 drug list. When looking up a drug, if it’s on the list you’ll know it’s covered. See what else is changing with your 2018 prescription drug benefits.
Value Pharmacy Network pricing isn’t available for 100% cost-sharing plans. These 100% cost-sharing plans don’t have a tiered structure for member out-of-pocket copay/coinsurance for prescription drugs. Go back
You can also fill up to a 90-day supply at a retail pharmacy in the Value Pharmacy Network. Go back
Make Sure Doctors and Hospitals Are in Your Network
Using our Provider Finder® helps you control how much you pay for your care. Set some time aside to look up each plan’s network before making any decisions, including;
- Other Health Providers
Manage Your Health Care Coverage with Blue Access For MembersSM (BAMSM)
Your BAM account lets you access health plan information, resources and tools. For example, you may see:
- Claims status
- Explanation of Benefit statements
- ID Cards
How To Make Your Premium Payment
You’ll still have convenient ways to pay your bill each month.
If you keep the 2018 plan we’ve selected for you, you:
- Can keep making your monthly payments like you do now
- Won’t have any new enrollment forms to send in
- May set up automatic payments if you aren't already using it
If you shop for a new 2018 plan, you’ll:
- Select a new plan
- Need to make your first payment when you complete your application
- Want to check your bill to know your new payment due date