NON-MEDICARE RETIREES

There are a variety of Blue Cross and Blue Shield individual plan PPO and HMO options which you may want to consider as well. You can learn more about these by clicking “Get A Quote”:

If you choose to enroll in an Individual HMO or PPO simply click on the “Select” button and complete the online application.

If you are interested in an individual PPO or HMO plan check the box marked “Individual and Family Plans” and select the appropriate network based on your plan choice.  REMEMBER A PROVIDER MAY BE IN ONE BLUE CROSS AND BLUE SHIELD NETWORK AND NOT IN ANOTHER, IT IS VERY IMPORTANT THAT YOU DETERMINE IF YOUR PROVIDERS ARE IN THE NETWORK APPLICABLE TO THE PLAN YOU HAVE SELECTED.

Open enrollment for individual plans runs from November 1, 2017 — December 15, 2017 for January 1, 2018 effective date.  Otherwise you must qualify for a Special Enrollment Period (SEP).  Loss of group coverage may qualify you for an SEP.

When considering the best choice for you and your family there are several things to consider:

Are My Providers In The Network?

If you are interested in an individual PPO or HMO plan check the box marked “Individual and Family Plans” and select the appropriate network based on your plan choice.  REMEMBER A PROVIDER MAY BE IN ONE BLUE CROSS AND BLUE SHIELD NETWORK AND NOT IN ANOTHER, IT IS VERY IMPORTANT THAT YOU DETERMINE IF YOUR PROVIDERS ARE IN THE NETWORK APPLICABLE TO THE PLAN YOU HAVE SELECTED.

Do I Qualify For A Subsidy?

Some individuals may qualify for an Affordable Care Act subsidy to assist with premium costs.  Generally the guidelines are as follows:

Household Size                             2018 Projected Modified Adjusted Gross Income

1                                                                            Less than  $48,240.00

2                                                                            Less than  $64,960.00

3                                                                             Less than $81,680.00

4                                                                             Less than $98,400.00

You will have the opportunity to determine if you qualify for a subsidy by following the individual plan link.

How Do I Use My Plan?

If your primary concern is being covered should a catastrophic illness or injury occur you may want to select an individual plan with lower premiums and higher deductible and out of pocket maximums.  These plans often require you to pay for your doctor’s office visits and prescriptions until you meet your deductible.

If however, if you prefer lower cost sharing in the form of deductibles, co-pays an co-insurance amounts you will pay a higher premium and may prefer a group plan.

 

MEDICARE ELIGIBLE RETIREES

You also have the option of selection individual Medicare Advantage or Medicare Supplement plans along with a Medicare Part D prescription drug plan. These options may be more cost effective than the group option.  If you would like to explore these options please call 1-866-201-2524.