bcbs Blue Precision Hmo Insurance Plans and Benefits

Blue Precision HMO insurance plans from BCBS are a great option for those seeking comprehensive coverage. BCBS Blue Precision HMO plans offer a network of healthcare providers, including primary care physicians and specialists.

These plans often require a primary care physician referral to see a specialist, which can help prevent unnecessary medical expenses. This referral requirement can also lead to more coordinated care.

BCBS Blue Precision HMO plans typically cover a range of essential health benefits, including doctor visits, hospital stays, and prescription medications. Preventive care services, such as annual physicals and vaccinations, are also usually covered.

See what others are reading: Does Bcbs Medicare Advantage Hmo Require a Referral

The cost and premium of the BCBS Blue Precision HMO plan can be a bit overwhelming, but let's break it down. The monthly premium for a child under 14 is $237.94, while an adult individual between 30 and 40 years old pays $353.02 per month.

The annual premium varies depending on the age and family size. For example, a couple between 30 and 40 years old pays $8,472.48 per year, while a single parent between 40 and 50 years old pays $7,625.28 per year.

Here's a breakdown of the monthly premium for different family sizes and ages:

Keep in mind that these are just some examples, and the actual cost may vary depending on individual circumstances.

Premium rates can vary significantly depending on several factors, including age and family size.

The monthly premium for a child between 0-14 years old is $237.94, while it's $283.97 for an 18-year-old child.

Adult individual premiums increase with age: $311.03 for a 21-year-old, $325.96 for a 27-year-old, and $353.02 for a 30-year-old.

Couples' premiums also rise with age: $622.06 for a 21-year-old couple, $706.04 for a 30-year-old couple, and $795.00 for a 40-year-old couple.

Single parents with one child pay a monthly premium of $548.97 for a 21-year-old parent, $590.96 for a 30-year-old parent, and $635.44 for a 40-year-old parent.

Here's a breakdown of the monthly premiums for different family sizes and ages:

As you can see, premiums increase with age and family size, so it's essential to factor these costs into your budget.

Bronze plans have the highest costs when you need care, with deductibles usually in the thousands of dollars per year.

This means that if you choose a Bronze plan, you'll pay a significant amount out of pocket for medical expenses.

The out-of-pocket maximum for the Blue Precision Gold HMO℠ 207 plan is $9200 per person or $18400 per group, which is a significant amount that you'll need to budget for.

This maximum amount is the most you'll pay for covered services in a calendar year.

Here's a breakdown of the cost-sharing for the Blue Precision Gold HMO℠ 207 plan:

Keep in mind that these costs are for in-network care, and out-of-network care may have different cost-sharing arrangements.

Curious to learn more? Check out: Bcbs Preferred Care Blue

With BCBS Blue Precision HMO, you can expect to pay a facility fee of $500/visit + 50% for a hospital stay, as well as no charge for physician/surgeon fees.

You'll also be covered for mental health, behavioral health, or substance abuse services, with out-of-pocket costs ranging from $35 office visits to 50% of other services. Inpatient services will cost $500/visit + 50%.

Here's an interesting read: Bcbs Fep Standard

Here's a breakdown of some common health services and their associated costs:

If you need to see a specialist, you'll be charged $65 per visit with a Silver HMO Standard – Select Rx Copays plan.

You can expect to pay $65 per visit for a specialist visit, which is significantly higher than the $35 per visit charge for a primary care visit.

Preventative care and screenings are covered under the Silver HMO Standard – Select Rx Copays plan, with no additional out-of-pocket costs.

The cost of diagnostic tests, such as x-rays or blood work, varies depending on your plan, but you can expect to pay $20 to $90 per test.

Here's a breakdown of the costs for diagnostic tests and imaging services under the Silver HMO Standard – Select Rx Copays plan:

If you're pregnant, an office visit will cost you $35 with a primary care provider and $65 with a specialist.

You can expect to pay $500 plus 50% of the facility fee for hospital stays under the Silver HMO Standard – Select Rx Copays plan.

Having access to free preventive services can be a huge weight off your mind and wallet.

There is no copayment or coinsurance for any of the preventive services covered by your plan.

These services are free, but only if delivered by a doctor or other provider in your plan's network.

This means you can get the care you need without worrying about the cost, as long as you stick to in-network providers.

Blue Precision HMO plans are available in various levels of coverage, including Bronze, Silver, and Gold.

The Bronze level has a lower deductible, with the Blue Precision Bronze HMO 205 plan having a specific deductible amount mentioned in the article.

The Silver level offers a moderate deductible and coinsurance rate, with the Blue Precision Silver HMO 206 plan having a deductible amount of $5000 and a coinsurance rate of 30%.

The Gold level has a higher deductible and coinsurance rate, with the Blue Precision Gold HMO 207 plan having a deductible of $750 and a coinsurance rate of 30%.

Here are the details of the Blue Precision Gold HMO plans:

Plan Features are essential when choosing an insurance plan, and Blue Cross and Blue Shield of Illinois offers a range of features that can benefit you.

The Blue Precision Gold HMO℠ 207 plan does not have a wellness program, which means you won't find any specific wellness programs or incentives to encourage healthy habits.

Disease management is a crucial aspect of any health plan, and Blue Precision Gold HMO℠ 207 offers programs for managing asthma, heart disease, depression, diabetes, high blood pressure, high cholesterol, low back pain, pain management, and pregnancy.

You won't receive a specific notice for pregnancy under the Blue Precision Gold HMO℠ 207 plan, but you can still expect comprehensive maternity coverage.

Referral specialists are available under this plan, which can help you navigate the healthcare system and get the care you need.

Some services under Blue Precision Gold HMO℠ 207 require a referral, so be sure to check with your medical group for details.

Here are some key plan features that are worth noting:

For 2022, Blue Cross Blue Shield offers several individual plans under the Blue Precision HMO umbrella. The Bronze plan, Blue Precision Bronze HMO 205, is an option for those looking for a more affordable plan.

One of the Silver plans, Blue Precision Silver HMO 206, has a $4,400 individual deductible and 50% coinsurance. This plan is available on exchange.

Another Silver plan, Blue Precision Silver HMO 306, has a $6,000 individual deductible and 50% coinsurance, and is available off exchange.

The Gold plan, Blue Precision Gold HMO 207, is also available for 2022.

Explore further: Bcbs Gold Ppo

Gold Plans offer a high level of coverage, but with varying deductibles and coinsurance rates. One of the key differences between these plans is the individual deductible, which ranges from $750 to $1,500.

The Blue Precision Gold HMO 207 plan has a $750 individual deductible and 30% coinsurance, making it a good option for those who want to minimize their out-of-pocket costs. I've seen people with chronic conditions appreciate this plan's lower deductible.

Explore further: Bcbs Individual

The Blue Precision Gold HMO 703 plan also has a $1,500 individual deductible, but its 30% coinsurance rate is the same as the 207 plan. It's essential to consider your budget and medical needs when choosing between these two plans.

The Blue Precision Gold HMO℠ Standard plan has a $1,500 individual deductible and a lower 25% coinsurance rate. This plan is a good choice for those who want to save on coinsurance costs, but still have a relatively high deductible.

Here's a quick summary of the Gold Plans:

Blue Cross Blue Shield's Blue Precision HMO plan offers a range of benefits, but it's essential to understand the difference between generic and specialty drugs.

Generic drugs are significantly cheaper than their brand-name counterparts, with a difference of up to 80% in some cases.

You can expect to pay a lower copayment for generic drugs, which can be a substantial savings over time.

Here's an interesting read: What Is the Difference between Medigap and Medicare Advantage

In the case of Blue Precision HMO, generic drugs have a copayment of $10 for a 30-day supply, whereas brand-name drugs have a copayment of $50 for the same supply.

This can add up quickly, especially for medications that need to be taken long-term.

Specialty drugs, on the other hand, are often more expensive due to their complex production process and research costs.

Blue Precision HMO's copayment for specialty drugs is $50 for a 30-day supply, which may be higher than what you'd pay for brand-name drugs in some cases.

This may be a significant factor in your decision-making process, especially if you take medications regularly.

Recovering from an illness or injury can be a long and challenging process.

Home health care is covered at no charge with Silver HMO Standard – Select Rx Copays.

Rehabilitation services are $35/visit, but this cost is reduced to $15/visit with Silver HMO Standard – Select Rx Copays.

On a similar theme: Bcbs Select Blue

Habilitation services are also $35/visit, but again, this cost is reduced to $15/visit with Silver HMO Standard – Select Rx Copays.

Skilled nursing care is covered at 50% with Silver HMO Standard – Select Rx Copays, but this cost is reduced to 40% with Silver HMO Standard – Select Rx Copays.

Durable medical equipment is covered at no charge with Silver HMO Standard – Select Rx Copays.

Hospice services are covered at 50% with Silver HMO Standard – Select Rx Copays, but this cost is reduced to 40% with Silver HMO Standard – Select Rx Copays.

Here's a breakdown of the costs for rehabilitation and habilitation services: