Health Plans by Metal Level
Catastrophic Coverage
Frequently Asked Questions
Essential Health Benefits
Financial Assistance
Claims Payment Policy & Other Information

Individual and Family Health Plans

Open Enrollment for 2019 is Now Open!

 

Thank you for your interest in Blue Cross and Blue Shield of Alabama

Before you continue with enrollment, please make sure all information provided during the application process is true and complete. When you are ready to submit your application, it is critical that you read and understand the terms and conditions. Any intentional misrepresentation of information will result in the cancellation of the contract from the beginning of its coverage.

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.

Check Out Our 2019 Open Enrollment Plans

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

  • 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

  • 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.
Close details

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 THREE SILVER PLANS.
$ = Financial Assistance Available

  • Blue Secure Silver

    • Calendar Year Deductible:
      $2,500 Individual / $5,000 Family
    • Out-of-Pocket Maximum:
      $7,900 Individual / $15,800 Family
    • Primary Care Office Visit:
      $40 copay
    • Specialist Office Visit:
      $65 copay

  • Blue Value Silver $

    • Calendar Year Deductible:
      $2,600 Individual / $5,200 Family
    • Out-of-Pocket Maximum:
      $7,900 Individual / $15,800 Family
    • Primary Care Office Visit:
      $50 copay
      Receive a discounted copay of $40 when visiting your designated Primary Care Select Physician
    • Specialist Office Visit:
      $65 copay
      Receive a discounted copay of $55 when referred by designated Primary Care Select Physician

  • Blue Cross Select Silver $

    • Calendar Year Deductible:
      $2,800 Individual / $5,600 Family
    • Out-of-Pocket Maximum:
      $7,900 Individual / $15,800 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.
Close details

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:
      $7,150 Individual / $14,300 Family
    • Out-of-Pocket Maximum:
      $7,150 Individual / $14,300 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

  • Blue HSA Bronze $

    • Calendar Year Deductible:
      $6,450 Self-only / $12,900 Family
    • Out-of-Pocket Maximum:
      $6,450 Self-only / $12,900 Family
    • Primary Care and Specialist Office Visit:
      You pay 0% after meeting the calendar year deductible
Close details

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:
      $7,900 Individual / $15,800 Family
    • Out-of-Pocket Maximum:
      $7,900 Individual / $15,800 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.
Close details

Don't forget...

We also offer Dental, Vision and Travel insurance.