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. 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).

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

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 Platinum Standard Platinum 250*
Platinum POS110
Monthly Premium:


        Single $585.04 $503.42 $541.48
        2 Person $1,170.08 $1,006.84 $1,082.96
        Single + Child $994.57 $855.82 $920.52
        Family $1,667.37 $1,434.74 $1,543.22
Primary Care Doctor/Specialist $15 / $35  8% Optimum / 10% Flexible
 (2PCP Visits @ PCP coinsurance not subject to the deductible)
$20 / $30
Deductible (single/family) $0 / $0 $250 / $500 Optimum
$450 / $900 Flexible
$0 / $0
Inpatient Hospital Stay $500  8% Optimum / 10% Flexible $500
Prescription Drugs:


        Tier 1/2/3 $10 / $30 / $60 Not subject to deductible $2 / 20% / 20% (Tier 1 not subject to deductible) $5 / $30 / 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 Copys / 90-day supply









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




  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
     
     
  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

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