PPOBlueSM – To provide the lowest possible premium costs, this plan offers high annual deductible options of $1200, $2600 or $3500 for individuals or $2400, $5200 or $7000 for families. Although choosing from deductible levels this high is not practical for everybody, for people with sufficient financial resources it may be ideal. Essentially, by choosing a larger deductible, individuals are self-insuring for their smaller medical expenses. In addition to the premium costs savings, members with this program will be eligible to receive preventative services such as mammograms, physical exams, pap tests and annual gynecological exams without having to pay any deductible. All of the options available with the PPO Blue program are compatible with Health Saving Account, which offers the possibility of reduced federal income taxes.Download PPOBlueSM Summary of Benefits sheet PDFDownload PPOBlueSM Application
Download PPOBlueSM Rate sheet PDF
DirectBlueSM – Also a PPO, this plan provides a high level of coverage and freedom of choice but with lower deductibles. The member is responsible for the first $250 of medical costs and then 10% of additional costs up to $1500 out-of-pocket. After a $100 deductible, all prescriptions would cost $10 for generics and $20 for brand names. Preventive services such as mammograms, pap smears, annual gynecological exam, pediatric care, and annual routine physical exam are covered. With the increased coverage in this program, naturally the premiums are higher as well.Download DirectBlueSM Summary of Benefits sheet PDFDownload DirectBlueSM Application
Download DirectBlueSM Rate sheet PDF
Previously, residents wanting to apply for these plans had to either meet with an agent or complete their application through the mail, which often delayed the start of the coverage. Additionally, the proposed insured had to submit a check for the first month of coverage with their application. If the insured was turned down by Highmark Blue Cross Blue Shield, he or she would have to wait several weeks to receive a refund.
Residents now can take advantage of a more customer-friendly process. With a simple phone call, a person is connected with one of our representatives who will answer any questions that the person may have about the different coverage options. After that person makes a decision, we can immediately begin to submit their application online. The whole process takes about 15 minutes. Moreover, no payment information will be requested over the phone or online; Highmark will simply send a bill later. If someone decides for whatever reason to cancel the plan within 10 days after they receive the policy, any premium paid will be completely refunded. Sound interesting? Please give us a call. We would be happy to get you started or just answer any of your questions.