Silver Featured Individual and Family Plans

Our Silver plans have lower than average premiums with cost sharing that is above average.  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?

 

 

  Silver 2000 Silver 1500
Silver 750
Silver
Eligibility   Available based on income and family size guidelines. Available based on income and family size guidelines. Available based on income and family size guidelines.
Monthly Premium: (Erie and Niagara counties)
       
        Single $371.71 $371.71 $371.71 $371.71
        2 Person $743.42 $743.42 $743.42 $743.42
        Single + Child $631.91 $631.91 $631.91 $631.91
        Family $1,059.37 $1,059.37 $1,059.37 $1,059.37
Primary Care Doctor/Specialist:
       
        Optimum $5 / 35% after deductible $5 / 30% after deductible $5 / 10% after deductible $5 / 8% after deductible
        Flexible $30 / 50% after deductible $25 / 50% after deductible $15 / 20% after deductible $10 / 15% after deductible
Deductible (single/family):
       
        Optimum $2,000 / $4,000 $1,500 / $3,000 $750 / $1,500 $0 / $0
        Flexible $3,000 / $6,000 $2,500 / $5,000 $1,500 / $3,000 $125 / $250
Inpatient Hospital Stay:        
        Optimum 35% coinsurance after deductible 30% coinsurance after deductible 10% coinsurance after deductible 8% coinsurance after deductible
        Flexible 50% coinsurance after deductible 50% coinsurance after deductible 20% coinsurance after deductible 15% coinsurance after deductible
Prescription Drugs:        
        Tier 1/2/3
$5 / 50% / 50% after deductible
$5 / 50% / 50% after deductible $5 / 20% / 20% after deductible $5 / 20% / 20% after 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

 

View Glossary of Medical Terms

View Glossary of Medical Terms

View Glossary of Medical Terms

View Glossary of Medical Terms