MEC Plan
This plan provides benefits for covered services as specified in the Schedule of Benefits for in-network charges of 60%/40% for basic health care, in-hospital services, and prescription coverage after meeting an annual $4,000 deductible. This plan is only available for Individual (employee).
HDHP Plan
While out-of-network services are covered at 40% after the deductible. Some services, like preventive care, are covered at 100% for in-network providers. Certain limits and requirements apply, such as prior authorization for some services and restrictions on the number of therapy visits allowed per year.
PPO Plan
Benefit from our healthcare plan with a low $1,250 annual deductible for individuals, unlimited family coverage, and 80% in-network and 60% out-of-network service coverage. This plan also offers 100% coverage for preventive care, no pre-existing waiting period, and deductible carryover flexibility.
HSA
Savings account to help you to set aside money pre-tax for your and your dependents’ medical, dental, and vision expenses.
Find a Doctor
Each employee should review their provider’s network participation through www.BCBST.com or telephone number 1-800-565-9140 prior to using services. When you stay within your network, the Health & Welfare Plan benefits because it receives greater discounts, and these discounts greatly reduce the total amount paid for claims that ultimately affect the amount you pay as premiums. The employee benefits by staying within the network because charges above reasonable and customary are not passed to the employee. Using out-of-network facilities/providers reduces the amount paid by the plan and increases the amount owed by the eligible employee.