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Short Term Health Page Accordion
Short Term Coverage is Always Available
Short Term Limited Duration Plans are a new option for Individuals and
Families ?
Consider a Short Term Plan if you need temporary coverage due to:
- Needing temporary healthcare coverage
- In-between jobs
- Waiting for new health coverage to begin
- A recent college graduate
- Not eligible for a tax credit on the Health Insurance Marketplace
- Learn more about Short Term coverage
WE OFFER THREE SHORT TERM LIMITED DURATION PLANS:
-
Short Term Blue Limited
6 Month - Individual Coverage- Plan Year Deductible:
$1,500 Individual - Prescription Drug Contract Maximum:
$1,500 Individual - Primary Care Office Visit:
$50 copay
- Plan Year Deductible:
-
Short Term Blue
364 Days - Individual and Family Coverage- Plan Year Deductible:
$1,500 Individual / $3,000 Family - Prescription Drug Contract Maximum:
$3,000 per Individual on contract - Primary Care Office Visit:
$50 copay
- Plan Year Deductible:
-
Short Term Blue Plus
36 Month - Individual and Family Coverage- Plan Year Deductible:
$1,500 Individual - Prescription Drug Contract Maximum:
$3,000 Individual - Primary Care Office Visit:
$50 copay
- Plan Year Deductible:
Health Plans Top Content - SEP
Thank you for your interest in Blue Cross and Blue Shield of Alabama!
In order to apply for a plan outside open enrollment, you must have a qualifying life event that results in a special enrollment period. Most special enrollment periods last 60 days from the date of the qualifying event. Qualifying life events that create a special enrollment period include:
- Birth
- Adoption/Foster Child
- Placement for Adoption
- Marriage
- Permanent Move into Alabama
- Loss of Health Insurance Coverage Due to Death
Note: Please call the Customer Service number on the back of your ID card if this applies to you. - Loss of Health Insurance Coverage
Note: This does not include loss of a short-term plan or loss of minimum essential coverage due to non-payment of premiums. - No Longer Eligible for Subsidy
- Gain of Citizenship or Nationality
- American Indians or Alaskan Natives
Do you Qualify for Special Enrollment?
If you have a question about a qualifying life event, please call 1-855-890-7416.
If you are currently a Blue Cross member and need to add a dependent to your existing plan, please call the Customer Service number located on the back of your ID card.
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Check Out Our Individual and Family Plans
STLD: Health Page Accordion
Gold Metal Plans are based strictly on the share of healthcare costs ?
Consider a Gold plan if:
- You have regular prescriptions
- You use healthcare services often
WE OFFER THREE GOLD PLANS. $= Financial Assistance Available
-
Blue HSA Gold
- Calendar Year Deductible:
$1,750 Self-only / $3,500 Family - Out-of-Pocket Maximum:
$6,000 Self-only / $12,000 Family - Primary Care and Specialist Office Visit:
You pay 10% after meeting the calendar year deductible
- Calendar Year Deductible:
-
Blue Value Gold$
- Calendar Year Deductible:
$750 Individual / $1,500 Family - Out-of-Pocket Maximum:
$6,000 Individual / $12,000 Family - Primary Care Office Visit:
$40 copay
Receive a discounted copay of $25 when visiting your designated Primary Care Select Physician - Specialist Office Visit:
$60 copay
Receive a discounted copay of $45 when referred by designated Primary Care Select Physician
- Calendar Year Deductible:
-
Blue Cross Select Gold$
- Calendar Year Deductible:
$850 Individual / $1,700 Family - Out-of-Pocket Maximum:
$6,000 Individual / $12,000 Family - Primary Care Office Visit:
$35 copay
Each member must designate a Primary Care Select Physician - Specialist Office Visit:
$50 copay
Each member must be referred by designated Primary Care Select Physician - Review important requirements to receive benefits.
- Calendar Year Deductible:
Silver Metal Plans are based strictly on the share of healthcare costs ?
Consider a Silver plan if:
- You want lower monthly premiums
- You use healthcare services every so often
WE OFFER FOUR SILVER PLANS.
$ = Financial Assistance Available
-
Blue Secure Silver
- Calendar Year Deductible:
$2,700 Individual / $5,400 Family - Out-of-Pocket Maximum:
$8,150 Individual / $16,300 Family - Primary Care Office Visit:
$45 copay - Specialist Office Visit:
$75 copay
- Calendar Year Deductible:
-
Blue Value Silver $
- Calendar Year Deductible:
$3,000 Individual / $6,000 Family - Out-of-Pocket Maximum:
$8,350 Individual / $16,700 Family - Primary Care Office Visit:
$55 copay
Receive a discounted copay of $45 when visiting your designated Primary Care Select Physician - Specialist Office Visit:
$70 copay
Receive a discounted copay of $60 when referred by designated Primary Care Select Physician
- Calendar Year Deductible:
-
Blue Cross Select Silver $
- Calendar Year Deductible:
$3,700 Individual / $7,400 Family - Out-of-Pocket Maximum:
$8,150 Individual / $16,300 Family - Primary Care Office Visit:
$40 copay
Each member must designate a Primary Care Select physician - Specialist Office Visit:
$65 copay
Each member must be referred by designated Primary Care Select Physician - Review important requirements to receive benefits.
- Calendar Year Deductible:
-
Blue Saver Silver
- Calendar Year Deductible:
$3,500 Individual / $7,000 Family - Out-of-Pocket Maximum:
$8,150 Individual / $16,300 Family - Primary Care Office Visit:
$50 copay
Each member must designate a Primary Care Select physician - Specialist Office Visit:
$75 copay
Each member must be referred by designated Primary Care Select Physician - Review important requirements to receive benefits.
- Calendar Year Deductible:
Bronze Metal Plans are based strictly on the share of healthcare costs ?
Consider a Bronze plan if:
- You want lower monthly premiums compared to Gold and Silver plans
- You have few prescription needs
- You use healthcare services rarely
WE OFFER TWO BRONZE PLANS.
$ = Financial Assistance Available
-
Blue Saver Bronze $
- Calendar Year Deductible:
$7,750 Individual / $15,500 Family - Out-of-Pocket Maximum:
$7,750 Individual / $15,500 Family - Primary Care and Specialist Office Visit:
First three illness-related office visits per member:
$40 copay
Thereafter:
You pay 0% after you meet the calendar year deductible
- Calendar Year Deductible:
-
Blue HSA Bronze $
- Calendar Year Deductible:
$7,000 Self-only / $14,000 Family - Out-of-Pocket Maximum:
$7,000 Self-only / $14,000 Family - Primary Care and Specialist Office Visit:
You pay 0% after meeting the calendar year deductible
- Calendar Year Deductible:
Peace of Mind for Those Under 30 or A Hardship Exemption
Our catastrophic plan is only available through the health insurance marketplace on Healthcare.gov.
Consider a catastrophic plan if:
- You are under 30 years old
- You qualify for a hardship exemption
-
Blue Protect
- Calendar Year Deductible:
$8,550 Individual / $17,100 Family - Out-of-Pocket Maximum:
$8,550 Individual / $17,100 Family - Primary Care Office Visit:
First three illness-related office visits per member:
$50 copay
Thereafter:
You pay $0 after you meet the calendar year deductible. - Specialist Office Visit:
$0 after you meet the calendar year deductible.
- Calendar Year Deductible:
Footer Disclaimer
Attention: This website is operated by Blue Cross and Blue Shield of Alabama and is not the Health Insurance Marketplace® website at HealthCare.gov. This website does not display all Qualified Health Plans (QHPs) available through HealthCare.gov. To see all available QHP options, go to the Health Insurance Marketplace® website at HealthCare.gov.
Also, you should visit the Health Insurance Marketplace® website at HealthCare.gov if:
- You want to enroll members of your household in separate QHPs.
- You want to enroll members of your household in dental coverage. [The plans offered here do not offer pediatric dental coverage and you want to choose a QHP offered by a different issuer that covers pediatric dental services or a separate dental plan with pediatric coverage.]