Gold Indvidual 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 Card as an added benefit on all of our 2015 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 Card

2015 Plans will be available for purchase beginning on 11/15/2014.
All premiums listed represent coverage for dependents up to age 26. 




2015 Plan Information Gold Standard Gold 850*
Gold Aqua
Monthly Premium:


        Single $504.05 $408.64 $471.72
        2 Person $1,008.10 $817.28 $943.44
        Single + Child $856.88 $694.69 $801.92
        Family $1,436.54 $1,164.63 $1,344.41
Primary Care Doctor/Specialist $25 / $40  15% Optimim / 25% Flexible (2 PCP Visits @ PCP copay not subject to deductible)
15% Optimum / 25% Flexible 
20% coinsurance / 20% coinsurance
Deductible (single/family) $600 / $1,200

$850 / $1,700 Optimum 
$1,700 / $3,400 Flexible
$1,000 / $2,000 (Medical Only)
Inpatient Hospital Stay
$1,000 

15% Optimum / 25% Flexible

20% coinsurance after 1st dollar allowance
(Not subject to the deductible)
Prescription Drugs:


        Tier 1/2/3 $10 / $35 / $70 Not subject to deductible $5 / 30% / 30% (Tier 1 not subject to deductible) $15 / $50 / 50% Not subject to deductible
        Generic Oral Contraceptives 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









Shop Plans

Shop Plans

Shop Plans

View Summary of Benefits and Coverage
View Summary of Benefits and Coverage
View Summary of Benefits and Coverage

View Glossary of Medical Terms View Glossary of Medical Terms View Glossary of Medical Terms


Get To Know Your Plan


*Gold 850-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."