Platinum Blue, a Medicare-approved Cost plan from Blue Cross and Blue Shield of Minnesota, can help pay for your medical costs and provide additional benefits and services as well. Show
The Platinum Blue plan includes: Access to a large provider network of doctors, clinics and hospitals. INP-Health Plans-Apply Button Mobile Size Cost & CoverageEmbedded Pediatric DentalExclusive Member BenefitsAs our member, you'll enjoy:
A Great Provider NetworkNeed Help?We can help you get coverage. Call:1-888-679-71051-844-829-8513 (TTY 711) Monday - Thursday: 8 a.m - 5:30 p.m. Monday - Thursday: 8 a.m. to 7 p.m. Closed: New Year’s Day, Memorial Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve, Christmas Day Estimate Medical CostsAs a member you will have access to our Estimate Medical Costs tool to compare out-of-pocket costs for hundreds of procedures across many different treatment categories. Excellus Health Plans Script Excellus Health Plans Styles Jump ToPlan Costs & OverviewMonthly premiumYour premium is the amount you pay for your health insurance each month. Deductible amountThe dollar amount you pay for services and/or medications before your plan begins to pay a larger portion of costs. Deductible typeThere are two kinds of deductibles: stacked and aggregate. Stacked deductible plans pay benefits for an individual once the individual deductible is met, even on a two-person or family plan. With aggregate deductibles, the full single or family deductible must be satisfied before benefits are paid. Stacked Out-of-pocket maximumA limit on the amount you will pay for covered services (medical or prescriptions) in a calendar year. Once you meet this limit, we will pay for 100% of covered health care costs for the rest of the calendar year. Health Savings Account (HSA) compatibilityA Health Savings Account (HSA) is a savings account that allows you to save money tax-free which can be used to pay for qualified health care expenses set by the IRS. Not Compatible Health Reimbursement Arrangement (HRA) compatibilityA Health Reimbursement Arrangement (HRA) is for some employer-funded health plans in which employees are reimbursed tax-free for qualified medical expenses up to a fixed dollar amount per year. Not Compatible Network typeThe type of health insurance plan offered that determines the network of providers and facilities available in that health plan. For example, our EPO network plans cover services for doctors, specialists, or hospitals in our Blue Cross network within Vermont and nationwide. EPO Plan documentsPrescriptionsPrescription deductibleThe amount you pay toward the cost of medications before your plan will begin to pay costs. $0 Prescription out-of-pocket maximumA limit on the amount you will pay for covered prescriptions in a calendar year. Once you meet this limit, we will pay for 100% of covered costs for the rest of the calendar year. Some plans may have a separate prescription out-of-pocket maximum, or it may be combined with the overall out-of-pocket maximum. $2,800 A generic drug is a medication created to be the same as an existing approved brand-name drug. $10 co-pay $10 co-pay Brand-name drugs that are listed on our formulary drug list (drugs covered by your plan). $50 co-insurance $50 co-pay A medication that has been determined to have an alternate drug available that is clinically equivalent such
as a generic equivalent. 50% co-insurance 50% co-insurance Generic wellness prescriptionsA medication that has been determined to have an alternate drug available that is clinically equivalent such as a generic equivalent. Before Deductible$10 co-pay After Deductible$10 co-pay Preferred wellness prescriptionsPreferred brand medications for select conditions such as asthma, antidepressants, cardiovascular/heart disease, diabetes, smoking deterrents, and more. Before Deductible$50 co-pay After Deductible$50 co-pay Non-preferred wellness prescriptionsPreferred brand medications for select conditions such as asthma, antidepressants, cardiovascular/heart disease, diabetes, smoking deterrents, and more. Before Deductible50% co-insurance After Deductible50% co-insurance Office VisitsPreventive careServices used to find or reduce your risks when you do not have symptoms, signs, or specific increased risk for the condition being targeted. It can include annual check-ups, immunizations, as well as certain tests and screenings. $0
ScreeningA test that helps find diseases and conditions early. Routine health screenings are recommended for people throughout life as part of preventive care. $0 ImmunizationVaccinations for adults and children. $0 A health care provider who provides primary,
routine care services. 3 visits per member at $0, then $15 $15 co-pay A visit to a healthcare provider that is considered a medical specialist, such as an orthopedic surgeon or cardiologist. $40 co-pay After Deductible$40 co-pay ChiropractorA visit to a healthcare provider that is considered a medical specialist, such as an orthopedic surgeon or cardiologist. Before Deductible$20 co-pay After Deductible$20 co-pay Outpatient Physical TherapyA series of visits to a clinic (either in a hospital or facility) to receive therapy that relieves pain of an acute condition, restores function, and prevents disability following disease, injury. or loss of body part. Before Deductible$20 co-pay After Deductible$20 co-pay Nutritional CounselingA healthcare provider helps you assess your dietary habits to help create an individual action plan for ongoing self-care. Nutritional counseling benefits are covered up to 3 visits. There is no limit on the number of nutritional counseling visits for treatment of diabetes. Before Deductible$40 co-pay After Deductible$40 co-pay Outpatient Speech and Occupational TherapySpeech therapy services provide treatment of swallowing, speech-language and cognitive-communication disorders. Occupational therapy services promote the restoration of a physically disabled person’s ability to accomplish the ordinary tasks of daily living or the requirements of person’s particular occupation.
Before Deductible$40 co-pay After Deductible$40 co-pay Hospital ServicesHealth care services that are necessary to treat a condition or illness of an individual that if not treated within 24 hours would cause risk. Before Deductible$50 co-pay After Deductible$50 co-pay Emergency Room CareCare for illness or injuries that need immediate attention and care. Before DeductibleFull price After Deductible$100 co-pay Emergency Medical TransportationTransportation provided to the nearest facility or hospital, such as by an ambulance service. Before Deductible$60 co-pay After Deductible$60 co-pay OutpatientA patient who receives services/care while not an inpatient. Outpatient care may be provided in a hospital, walk-in clinic, outpatient surgery center, and your doctor’s office. It includes diagnostic tests, treatments, or other types of procedures. Before DeductibleFull price After Deductible10% co-insurance Inpatient Hospital StayInpatient hospital stay is when you are admitted to a hospital or other type of inpatient facility and spend at least one night. Before DeductibleFull price After Deductible10% co-insurance Enrollment & HelpReady to enroll? Based on whether you qualify for federal subsidies or not, we have outlined the enrollment options below. For those who do not qualify for subsidies or want to enroll directly with usYou can enroll directly online or download a PDF form to send to us. For those who may qualify for subsidiesIf you do qualify for subsidies, you must enroll through the Vermont Health Connect website. Have Questions?What percent do you pay with platinum insurance?On average, Platinum-level plans cover 90 percent of health care costs, and you pay 10 percent; Gold plans cover 80 percent, while you pay 20 percent; Silver plans cover 70 percent, while you pay 30 percent; and Bronze plans cover 60 percent, while you pay 40 percent.
How much does platinum health insurance cost in California?How much does health insurance cost in California?. |