Blue Cross Blue Shield of WNY
Essential Plan

The Essential Plan

Find out if you qualify today


What is the Essential Plan?

A plan that costs much less than other health plans, and offers the same essential benefits. Coverage could be as little as $0 per month. In addition, the Essential Plan has no deductible, so the plan starts paying for your health care immediately. You receive free preventive care such as routine doctor visits to get and keep you healthy. 


If you think you cannot afford to buy health insurance because it is too costly, or if you do not qualify for Medicare, Medicaid, or Child Health Plus, consider the Essential Plan. 

Do I qualify?


$0/mo. Premium

$20/mo. Premium

Household size

Most you can earn annually

Most you can earn annually













What does the plan cover?

       - Doctor visits, including specialists

       - Prescription drugs

       - Inpatient and outpatient hospital care

       - Immunizations

       - Laboratory tests and x-rays

       - Emergency/Urgent services

       - Maternity care

 > View the full list of costs and benefits

> View Essential Plan Contracts and Summary of Benefits & Coverage


Before you choose your doctor or facility, view our Find a Doctor tool.


Why choose Blue?

BlueCross BlueShield is more than just the most recognized health care brand in America. For 80 years, we've been members of the very same community you call home - and we're committed to providing you with the superior care and service you deserve. 


With the compassion of a cross, the security of a shield accepted by over 90 percent of doctors and specialists, and the power of a card that opens doors in all 50 states, we'd like to show you what it means to be our member. 


Enjoy the following benefits when enrolling in the Essential Plan with us: 



Wellness Debit Card 
Access to wellness-related products and services


Health Risk Assessment 
Complete a health risk assessment* and receive $25

Think this plan is right for you?

You are eligible for the Essential Plan if you meet the following qualifications: 


        - Meet certain income criteria requirements
        - Are a resident of New York State
        - Are a U.S. citizen or fall within the Aliessa immigration status
        - You do not qualify for Medicare, Medicaid, or Child Health Plus
        - Are between the ages of 19 - 64


Our representatives are happy to walk you through the process.

Give us a call today  1-800-888-5407 or email us

Want to speak with a representative in person?

Health insurance is complicated. We'll take the time to understand your needs and find the plan that works best for your life, health, and budget. Register to attend a meeting or schedule an appointment to speak one-on-one with a representative. 

Register now        

Not sure if this plan is right for you?


*Individuals enrolled in a 2017 Essential Plan must complete thier Health Risk Assessment (HRA) within the first 6 months of plan coverage. Please note, the six month time frame does NOT apply to individuals who enroll in a 2018 Essential Plan. 




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