Health Insurance Plans

Effective December 31, 2017, we are discontinuing the ACA compliant health plans. If you have coverage, it will remain in effect through December 31, 2017.

As of January 31, we are in Special Enrollment period. During Special Enrollment certain situations allow you to qualify for health insurance. Some qualifying events to enroll in health insurance include:

  • Birth or adoption of a child
  • Marriage or divorce
  • Move to a new area
  • Loss of health insurance coverage

Learn about the 2017 product options below.

2017 SelectBlue Plan Options

Available to residents whose zip code starts with 680-681

SelectBlue options are designed to provide you with coverage for hospital, medical and surgical expenses incurred as the result of a covered illness or injury.

2017 BlueEssentials and SelectBlue Plan Options

Available to residents whose zip code starts with 683-685

BlueEssentials and SelectBlue options are designed to provide you with coverage for hospital, medical and surgical expenses incurred as the result of a covered illness or injury.

2017 BlueEssentials Plan Options

Available to residents whose zip code starts with 686-692

BlueEssentials options are designed to provide you with coverage for hospital, medical and surgical expenses incurred as the result of a covered illness or injury.

HEALTH INSURANCE TERMS


COINSURANCE

The percentage of the bill you pay after your deductible has been met.

COPAY

A fixed amount you pay when you get a covered health service.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider. 

DEDUCTIBLE

The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.

SUBSTANCE ABUSE DISORDER SERVICES

Includes behavioral health treatment, counseling, and psychotherapy


in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)

out-of-pocket

Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.

penalty

If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.

premium

The amount you pay to your health insurance company each month. 


Preventive services

Health care services that focus on the prevention of disease and health maintenance.

rehab SERVICES

Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).

specialist

A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.