2-50 employees
UpdateThis wellness incentive plan provides premium savings over comparable plans. For both you and your employees.
NETWORK SIZE
PREMIUM COST
$
LEVEL OF CONSUMER ENGAGEMENT
Medium
INDIVIDUAL DEDUCTIBLE
$500 - $4,000
This wellness incentive plan can reward your employees for taking an active role in their health.
This plan has two benefit levels: enhanced and standard.
Your employees start at the enhanced level. To stay there, they will need to complete a few action items before their deadlines. We send your employees details about their to-do list, which will help them be more aware of their health and encourage them to improve it.
Want more details about Healthy Blue Living HMO?
2023 Documents
Download 2023 plan certificate
2022 Documents
This is a top-level plan with a $500 deductible for enhanced benefits.
Monthly premium
High
Deductible
$500
Out-of-pocket maximum
$2,000
PCP office visit copay
$20
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
Enhanced
$500
Standard
$1,250
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
Enhanced
$1,000
Standard
$2,500
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
Enhanced
0%
Standard
20%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced
N/A
Standard
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced
N/A
Standard
N/A
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced
$2,000
Standard
$4,000
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced
$4,000
Standard
$8,000
PCP office visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
Enhanced
$20
Standard
$30
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|---|---|---|---|
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Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$500 | $1,250 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$1,000 | $2,500 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
0% | 20% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$2,000 | $4,000 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$4,000 | $8,000 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$20 | $30 |
This is a mid-level plan with a $1,000 deductible for enhanced benefits.
Monthly premium
Medium
Deductible
$1,000
Out-of-pocket maximum
$8,150
PCP office visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
Enhanced
$1,000
Standard
$3,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
Enhanced
$2,000
Standard
$6,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
Enhanced
20%
Standard
30%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced
$3,500
Standard
$4,000
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced
$7,000
Standard
$8,000
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced
$8,150
Standard
$8,150
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced
$16,300
Standard
$16,300
PCP office visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
Enhanced
$30
Standard
$40
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$1,000 | $3,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$2,000 | $6,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | 30% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
$3,500 | $4,000 | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
$7,000 | $8,000 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$8,150 | $8,150 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$16,300 | $16,300 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | $40 |
This is a mid-level plan with a $1,500 deductible for enhanced benefits.
Monthly premium
Medium
Deductible
$1,500
Out-of-pocket maximum
$6,600
PCP office visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
Enhanced level
$1,500
Standard level
$4,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
Enhanced level
$3,000
Standard level
$8,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
Enhanced level
20%
Standard level
30%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced level
$2,500
Standard level
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced level
$5,000
Standard level
N/A
Individual out-of-pocket-maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced level
$6,600
Standard level
$6,600
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced level
$13,200
Standard level
$13,200
PCP office visit copays
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
Enhanced level
$30
Standard level
$40
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$1,500 | $4,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$3,000 | $8,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | 30% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
$2,500 | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
$5,000 | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$6,600 | $6,600 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$13,200 | $13,200 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | $40 |
This is a mid-level plan with a $2,000 deductible for enhanced benefits.
Monthly premium
Medium
Deductible
$2,000
Out-of-pocket maximum
$6,600
PCP office visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
Enhanced level
$2,000
Standard level
$4,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
Enhanced level
$4,000
Standard level
$8,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
Enhanced level
20%
Standard level
30%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced level
$1,000
Standard level
$2,000
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
Enhanced level
$2,000
Standard level
$4,000
Individual out-of-pocket-maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced level
$6,600
Standard level
$6,600
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
Enhanced level
$13,200
Standard level
$13,200
PCP office visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
Enhanced level
$30
Standard level
$40
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$2,000 | $4,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$4,000 | $8,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | 30% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
$1,000 | $2,000 | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
$2,000 | $4,000 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$6,600 | $6,600 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$13,200 | $13,200 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | $40 |
Helping your employees avoid costly ER visits and get the care they need quickly and conveniently.
Value-based careElevating the quality of care by rewarding physicians for better patient health outcomes.
A care management program for your employees and their family members who face complex health issues.
Health & Well-BeingEncourage a culture of well-being with tools and resources to help your employees improve their whole health.
Your employees will get the tools, information and support they need all under one secure online account.
Blue Cross RewardsIncentivizing employees with PPO plans to use cost-effective providers by using our Find Care tools.
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We're moving to a pharmacy benefits management system to keep costs more stable for our group customers and members.
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View toolkitsThis classic PPO plan has the largest network of doctors and all the essential health benefits you expect.
Our point of service plan offers affordability and the freedom to choose a doctor or specialist without a referral.
This streamlined and affordable plan has just one point of contact for your employees, their primary care physician.