| Blue Cross Blue Shield of Delaware has been providing health benefits products to residents of Delaware for more than 70 years. They offer a wide array of health insurance products including individual and family coverage, Medicare products, dental plans, vision plans, and health management programs. They serve more than 377,000 members and are a licensee of the Blue Cross and Blue Shield Association. |
BluePPO- This plan is a Preferred Provider Organization (PPO) with annual deductible options that range from $1,500 to $5,000. Coinsurance is 80% and out-of-pocket maximums range from $3,000 to $6,000. Copays for preventive services such as well-child care and annual physicals are $10. There is a $100 prescription drug deductible for individuals and you will pay a discounted price for drugs until the deductible is met. After you have satisfied your deductible, generic drugs have a $0 copay, preferred brand name drugs have a $20 copay, and non-preferred brand name drugs have $45 copays. Monthly premium rates depend on age, deductible option, and health condition and may range from $115 to $610.
BlueIPA- This plan is an Individual Practice Association (IPA) which is similar to an HMO with an annual deductible of $1,000. Coinsurance is 100% which means that 100% of benefits are covered. Copays for preventive services such as well-child care and annual physicals are $20. There is a $100 prescription drug deductible for indivudals are you will pay a discounted price for drugs until the deductible is met. After you have satisfied your deductible, generic drugs have a $0 copay, preferred brand name drugs have $20 copays, and non-preferred brand name drugs have $45 copays. Monthly premium rates depend on age and health condition and may range from $145 to $606.
BlueAdvantagePPO- This plan is a high deductible Preferred Provider Organization (PPO) that can be coupled up with a Health Savings Account (HSA). Annual deductible options range from $1,800 to $2,700. Coinsurance is 100% which means that 100% of benefits are covered and out-of-pocket maxiumums range from $1,800 to $2,700. Benefits such as preventive care services, doctor visits, x-rays, labs, emergency room, and prescription drug coverage are 100% covered. Monthly premium rates depend on age, deductible option, and health condition and may range from $84 to $416. |
