How to purchase the right Flexible Blue II℠ policy
Who is this for?
This information will help you if you are shopping for individual health insurance and want to compare Flexible Blue II℠ plans.
One of the great features of our Flexible Blue II health insurance plan is that it offers you different deductible amounts to choose from. That means you can pick which deductible works best for your budget and health care needs.
You might want to keep in mind that if you choose an insurance plan with a high deductible amount, you will most likely have a lower monthly premium. If your plan has a high monthly premium, the deductible amount will be lower.
With Flexible Blue II, you have three plans to choose from: Flexible Blue II 1500℠, Flexible Blue II 2500℠ and Flexible Blue II 5000℠. The numbers stand for the deductible amount for a single individual. Here are the deductibles available for each plan:
|Flexible Blue plans||In-network deductible|
The Flexible Blue II 5000 plan has the highest deductible amount. It works best if you or your family:
- Go to regular checkups
- Are healthy with no mild health conditions to manage, like allergies or high blood pressure
- Don’t take regular medications
That’s because you’ll pay more up front before your health insurance company begins to pay. For a single person on the plan, that’s a $5,000 deductible, $10,000 for a family.
On the other hand, our Flexible Blue II 1500 might be better if you or your family:
- Go to the doctor for frequent checkups
- See specialists often during the year
- Take regular prescription medications for chronic conditions
- Manage a health condition (like diabetes or heart disease)
- Want more coverage for peace of mind
You’ll be using your coverage more often, but will pay less up front before your insurance begins to pay. A single individual will only have to pay a $1,500 deductible; for a family on the plan, it’s $3,000.
Maybe your family falls somewhere in the middle. Flexible Blue II 2500 could be the best option if you or your family:
- Are healthy but might manage mild conditions (like allergies or high blood pressure)
- Take one or two regular prescription medications for mild conditions
Because of mild illnesses, you or your family could need to see the doctor more often. But a single individual will only pay a $2,500 deductible, $5,000 for a family before the plan begins to pay. It’s a more balanced approach to your out-of-pocket expenses.
- How do deductibles, coinsurance and copays work?
- How to understand deductibles and their impact on premiums
- How can I know I'm purchasing the right health insurance policy?
- Individual and family health insurance - check out our MyBlue plan options designed to fit your health care needs and your budget.