Gold Individual and Family Plans

 

Our Gold plans have a robust level of coverage combined with low 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 your doctor, specialist, or hospital is available under Optimum Choice, visit bcbswny.com/findadoctor or call 1-855-344-3425, Monday-Friday (8 a.m. - 8 p.m. EST).

We are happy to include a $250 Wellness Debit Card as an added benefit on all of our 2016 individual and family plans. This card can be used for many products and services including: gym memberships, massage therapy and nutritional supplements.

View more details
on the Wellness Debit Card

2016 Plans will be available for purchase beginning on 11/1/2015.
All premiums listed represent coverage for dependents up to age 26. 

 

The contracts on this page are generic versions. For a detailed version, specific to your plan, please log in to your member portal.
2016 Plan Information Gold Standard Gold Ind Align
Gold POS 7100
Gold Aqua
Monthly Premium:        
        Single $480.48 $432.44 $442.93 $462.13
        Single + Child $816.81 $735.15 $752.98 $785.63
        2 Person $960.96 $864.88 $885.86 $924.26
        Family $1,369.37 $1,232.45 $1,262.35 $1,317.07
Primary Care Doctor/Specialist $25 / $40 after deductible $20 / $40 after deductible, Optimum
50% after deductible, Flexible
$20/$40 after deductible
20% after first dollar and deductible
Deductible (single/family) $600/ $1,200

$500 / $1,000, Optimum
$4,000 / $8,000, Flexible
$1,300 / $2,600 $1,000 / $2,000
Inpatient Hospital Stay
$1,000 after deductible

$750 after deductible, Optimum
50% after deductible, Flexible

$500 after deductible 20% after first dollar
Prescription Drugs:        
        Tier 1/2/3 $10 / $35 / $70 (not subject to deductible) $5 / $40 / 50%
(not subject to deductible)
$5 / $30 / $50 after deductible $15 / $50 / 50%
(not subject to deductible)
        Generic Oral Contraceptives Covered in full Covered in full Covered in full Covered in full
        Mail Order Drugs 2.5 Copays / 90-day supply 2.5 Copays / 90-day supply 2.5 Copays / 90-day supply 2.5 Copays / 90-day supply
         
         
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  View Summary of Benefits and Coverage
View Summary of Benefits and Coverage
View Summary of Benefits and Coverage
View Summary of Benefits and Coverage
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  View Glossary of Medical Terms View Glossary of Medical Terms View Glossary of Medical Terms View Glossary of Medical Terms
    Get To Know Your Plan  
    *Gold Ind align-This plan is only offered in Erie and Niagara County   *Gold Aqua-BCBSWNY pay for the first $500/$1,000 in medical claims.This is referred to as "1st dollar."