Gold Indvidual and Family Plans


Our Gold plans have higher than average premium plans with more robust levels of coverage and lower cost sharing.  Some of our health plans provide you with access to a choice of doctors, specialists, and hospitals throughout Western New York that are focused on coordinated, quality health care with two benefit levels:

  • Optimum Choice:  Optimum Choice doctors, specialists, and hospitals have the lowest cost-share.
  • Flexible Choice:  Flexible Choice doctors, specialists, and hospitals have a higher cost-share.  

To see if you doctor, specialist, or hospital is available under Optimum Choice, visit bcbswny.com/findadoctor or call 1-855-344-3425, Monday-Friday (8 a.m. - 5 p.m. EST).

Furthermore, you may qualify for a cost savings, making health insurance more affordable while giving you the coverage you need. 
How much can you save?


Gold Standard * Gold 850
Monthly Premium:

        Single $512.89 $448.98
        2 Person $1,025.78 $897.96
        Single + Child $871.92 $763.27
        Family $1,461.73 $1,279.59
Primary Care Doctor/Specialist $25 / $40 copayment after deductible OPTIMUM: 15% coinsurance after deductible
FLEXIBLE: 25% coinsurance after deductible
Deductible (single/family) $600 / $1,200 OPTIMUM: $850 / $1,700
FLEXIBLE: $1,700 / $3,400
Inpatient Hospital Stay $1,000 copayment after deductible OPTIMUM: 15% coinsurance after deductible
FLEXIBLE: 25% coinsurance after deductible
Prescription Drugs:

        Tier 1/2/3 $10/$35/$70 copayment after deductible $5 / 30% / 30% after deductible
        Generic Oral Contraceptives Covered in full Covered in full
        Mail Order Drugs 2.5 Copays/90-day supply 2.5 Copays/90-day supply







Shop Plans

Shop Plans


View Summary of Benefits and Coverage

View Summary of Benefits and Coverage


View Glossary of Medical Terms

View Glossary of Medical Terms



* Gold 850 | This plan is only offered in Erie and Niagara county.