Platinum Individual and Family Plans

Our Platinum plans contain our plans with the highest premiums and are designed to include the lowest cost sharing (deductibles and copays) than other plans.  Furthermore, 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. - 8 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?

  Platinum Standard * Platinum 250
Monthly Premium:    
        Single $586.54 $515.68
        2 Person $1,173.08 $1,031.36
        Single + Child $997.11 $876.66
        Family $1,671.64 $1,469.68
Primary Care Doctor/Specialist $15 / $35 copayment OPTIMUM: 8% coinsurance after deductible 
FLEXIBLE: 10% coinsurance after deductible
Deductible (single/family) $0 / $0 OPTIMUM: $250 / $500
FLEXIBLE: 450 / $900
Inpatient Hospital Stay $500 copayment OPTIMUM: 8% coinsurance after deductible
FLEXIBLE: 10% coinsurance after deductible
Prescription Drugs:    
        Tier 1/2/3 $10 / $30 / $60 copayment $5 / 20% / 20% 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
     
     
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View Summary of Benefits and Coverage

View Summary of Benefits and Coverage

 

View Glossary of Medical Terms

View Glossary of Medical Terms

    * Platinum 250 | This plan is only offered in Erie and Niagara county.