Self Assessment

Take a few minutes to think about your personal circumstances. This will help you narrow your choices when it comes time to choose a plan.

1. Are you looking for coverage for yourself, or for you and your family?

All PersonalBlue plans offer individual and family coverage.

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2. Do you visit the doctor frequently?

If so, you may want to consider a plan with an office visit copay. It will help you budget by knowing that every time you see your primary care physician, you only pay $35. Visits to specialists cost $50.

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3. Do you have prescriptions you need on a regular basis?

No problem. If you have regular prescriptions, consider a plan with a prescription copay. Then you'll know exactly what you will pay for your medicine.

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4. Do you need coverage for your annual physical or wellness exam?

Great news! All our PersonalBlue plans have unlimited wellness benefits like routine physicals and cancer screenings, with just a $35 copay. Colonoscopy and sigmoidoscopy screenings are covered too, but you may have to pay more for those services. It's always best to find out how much you have to pay before you are screened.

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5. Is it important that you keep your current doctor(s)?

Yes? Then make sure your doctor is in the provider network you choose. Network P has more hospitals, facilities and health care practitioners. But Network S may include your doctor, too, and you could save some money by picking it. It's also a good option if you don't mind switching doctors or traveling a bit to see a network provider.

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6. Have you had any surgeries in the past or are you currently being treated (or in need of treatment) for a particular medical condition?

If so, you may have a pre-existing condition. Some conditions won't be covered by your plan, while others may not be covered for a certain period of time.

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7. Do you currently have health insurance?

No? You may have to wait 12 months for certain pre-existing conditions to be covered. If you do have health insurance, you may not have to wait nearly as long.

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8. Are you interested in the tax-savings advantages of a health savings account?

If so, you may want to consider one of our high-deductible health plans. You can open a health savings account (HSA) to pay for qualified medical expenses, which you can deduct from your gross income on your tax return.

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9. Are you planning to start a family soon?

Congratulations! You should consider adding the optional maternity coverage. It's available with all plans.

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Got more questions? Download the Beginning with the Basics Worksheet to guide you along when shopping for health insurance. Or, call us at 1-888-744-9584, e-mail IndividualSales_Support@bcbst.com or call your broker.


FOR MORE INFORMATION

E-mail us at IndividualSales_Support@bcbst.com

Call us toll-free at

1-888-744-9584

(Monday through Friday,

8 a.m. to 5 p.m. Eastern Time).

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