BCBS Health Insurance Update AKA: Whats different and what effect may it have on you?

BCBS Update Current Plan vs. New Plan Deductible$2,500$3,500 Coinsurance Rate (after deductible)70/30 or 50/5070/30 Max Out of Pocket$7,500$8,500 Preventive Care00 Primary Care Visit$25$35 Specialist Visit50% After Ded**$70 Therapy50% After Ded**$35 or $70 Urgent Care50% After Ded**$70 Emergency Room50% After Ded**$500 Hospital Outpatient50% After Ded**30% After Ded** Ambulatory Surgical50% After Ded**30% After Ded** Hospital Inpatient30% After Ded** Hospital Inpatient Copay$250$0 Vision Exam$0$70 Prescription Coverage Generic Rx$4$10 Name Brand Rx$40/$55/75%*50%*

BCBS Update The Down Side to the New Plan – Deductible is $1000 higher (this would have affected 7 people) – Out of pocket max is $1000 higher (due to the higher deductible) – Primary care co-pay is $35 instead of $25 – Generic drugs have a $10 co-pay ($4 under current plan) – Non-generic drugs are all co-pays of 50% (max of $100 per Rx per month)

BCBS Update The Up Side of the New Plan – Specialist, therapy, urgent care, and emergency department visits all have co-pays now (current plan paid nothing until deductible met) Specialist/Therapy/Urgent Care $70 Emergency Room $500 – Hospital outpatient and ambulatory surgery 30/70 after deductible (currently 50/50 after deductible) – No inpatient hospital co-pay (currently $250) – The new plan is about $10,000 more overall, but employee premium will remain at $100 per month for this year