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What’s my deductible?

A deductible is the amount of money you have to pay before your health insurance begins to pay. 

Your deductible will vary depending on the health care service you are paying for. In-network services have lower deductibles than out-of-network services. Inpatient services have lower deductibles than outpatient services.

Take a look below to see the deductibles for your Keep FitSM plan. For more information about what you'll pay, check your plan documents or log in to your member account at bcbsm.com

Plan name

Inpatient services Outpatient services Prescription drugs

Keep Fit 1500

In network:
$1,500 / $3,000

Out of network:
$3,000 / $6,000

In network:
$5,000 / $10,000

Out of network:
$10,000 / $20,000

In network: $1,000 / $2,000

Out of network: Not covered

Keep Fit 2500

In network:
$2,500 / $5,000

Out of network:
$5,000 / $10,000

In network:
$6,000 / $12,000

Out of network:
$12,000 / $24,000

In network: $1,000 / $2,000

Out of network: Not covered

Keep Fit 5000

In network:
$5,000 / $10,000

Out of network:
$10,000 / $20,000

In network: $8,500 / $17,000

Out of network: $17,000 / $34,000

In network: $1,000 / $2,000

Out of network: Not covered

Keep Fit 7500

In network: $7,500 / $15,000

Out of network: $15,000 / $30,000

In network: $11,000 / $22,000

Out of network: $22,000 / $44,000

In network: $1,000 / $2,000

Out of network: Not covered

Keep Fit 10000

In network:
$10,000 / $20,000

Out of network:
$20,000 / $40,000

In network: $13,500 / $27,000

Out of network: $27,000 / $54,000

In network: $1,000 / $2,000

Out of network: Not covered

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