Options Blue - (Effective April 1, 2010)
Benefits (Plan Highlights)
Monthly Rates
(April 1, 2010 through March 31, 2011.)
Dental
HSA Details
Now you can get affordability, value, preventive care and a tax-free way to save and pay for health care expenses. It’s all in one, easy-to-manage health plan — Options Blue from Blue Cross and Blue Shield of Minnesota. Options Blue plans feature a higher deductible with lower monthly rates. And you can open a health savings account (HSA) that lets you pay your share of health care expenses, including your deductible, with tax-free dollars. Plus, unspent HSA funds earn interest, allowing you to save for future health care costs or invest toward retirement.

Options Blue gives you affordable coverage for the health care you need. And because it’s a high deductible health plan, you enjoy lower monthly rates.
Options Blue 80
Choose from lower deductibles. Get 80 percent coverage after your deductible is met.

Consider Options Blue 80 if you’re more comfortable with a lower deductible and paying 20 percent of your health care costs until you reach your out-of-pocket maximum amount.
  • Choose from two lower-deductible options that help limit your out-of-pocket costs
  • Enjoy preventive care benefits from day one ($300 in benefits per family member every year)
  • Save when you pay for your share of costs with a tax-advantaged HSA
Options Blue 100
Choose a higher deductible to reduce your monthly rate. Get 100 percent coverage after your deductible is met.

Consider Options Blue 100 if you’re looking for the lower monthly rates that come with a higher deductible. Then benefit from full coverage for eligible expenses once you’ve met that deductible.
  • Choose from three higher-deductible options all with lower rates
  • Budget for your out-of-pocket costs with confidence because the plan pays 100 percent for care after you meet your deductible
  • Enjoy preventive care benefits from day one ($300 in benefits per family member every year)
  • Save when you pay for your share of costs with a tax-advantaged HSA
Peace of mind in uncertain times
Now more than ever, you need a health plan you know and trust. Blue Cross and Blue Shield of Minnesota’s reputation for solid, reliable coverage spans 75 years and today, provides peace of mind for nearly 3 million members. We pay for the services you need most when you need them. Knowing you’re covered is one less worry.

Quick, hassle-free claims processing
We take our responsibility as financial stewards of your health care claims very seriously. Expect your claims to be processed quickly, accurately and without hassle.

Cost-effective network coverage at home and on the road
More than 97 percent of Minnesota doctors and hospitals are in our network, where you always get the best benefit for your dollar. And you’re still “in network” virtually anywhere you travel in the United States, thanks to the BlueCard® program, and internationally through BlueCard Worldwide®. Plus, you never need a referral.

Prescription drug savings now easier than ever
If you take ongoing medications, you can make fewer trips to the pharmacy and save money at the same time with 90dayRx, only from Blue Cross. Fill 90-day prescriptions at participating retail pharmacies or through mail order and pay less than you would for three 30-day prescriptions.

 Unmatched support for your health
When you call customer service, Health Guides will answer your questions and guide you to resources that can help you save money and improve your health. If you or a family member needs extra help managing a health condition or recovering from an injury, a Blue Cross registered nurse will help you get the care and support you need.

Fitness Discounts and other healthy extras
Fitness Discounts, Online Health Assessments and Coaching Modules, a personal Online Wellness Center, and the myBlueCross member center help you manage both your health and your health care expenses.
Is my doctor in the network?
Use our online provider search tool to confirm that the providers you prefer are in our standard network (Accord). If they’re not, you may find them in the expanded network (Aware®), available for a higher premium.

Are my prescription drugs covered?
Confirm that the drugs you take are on the drug list for this plan (GenRx formulary).