If you’re in good health, it may not be necessary to have insurance coverage for every visit to the doctor. But a sudden trip to the hospital can mean a much larger bill and the possibility of a lot of debt if you don’t have savings to pay it. The Basic plan from BC Life & Health is a PPO that covers you for hospital care and other expensive health services.
The Basic Plan does not include maternity or prescription drug coverage. If you are planning on parenthood or rely on medications consider one of the other Anthem Blue Cross plans.
You choice of deductible
You can choose between a $1,000 or $2,500 deductible. Remember, the higher the deductible, the lower your monthly premiums. Only 2 members of your family have to meet their deductible for you all to start receiving coverage, if you’re insuring your entire family on the Basic PPO,
80% coverage for most services
Pay only 20% of the cost of inpatient and outpatient hospital care, ambulance services, and emergency care. \
Waived deductible on preventative care
The deductible is waived when you visit a Anthem Blue Cross HealthyCheck center. These visits are as low as $25. You also get 80% coverage on routine mammogram and pap tests — also with no deductible.
You’ll be responsible for paying most of the costs of regular trips to your doctor with the Basic PPO plan.. But once yourout-of-pocket maximum is met — the total amount of your medical bills you’re responsible for — your plan pays for 100% of the cost of doctor’s office visits.
Want to find out more about your health insurance options? Get free online quotes, compare plans prices, and choose the right coverage for you.