| Plan Types |
Alliance SelectSM PPO Plans |
Blue PrioritySM HSA Plans |
Blue BasicsSM |
Short-Term BlueSM |
| Comprehensive |
Enhanced |
Value |
Payment Overview
Health plans generally offer the choice to pay a higher monthly premium with lower member cost-sharing when you receive services, OR a low monthly premium with higher member cost-sharing. |
- Higher monthly premium
- Lowest member cost-sharing at time of service;
5 deductible options
|
- Higher monthly premium
- Low member cost-sharing at time of service; 6 deductible options
|
- Low monthly premium
- Higher member cost-sharing at time of service;
2 deductible options
|
- Low monthly premium
- Higher member cost-sharing at time of service;
5 deductible options
|
- Lowest monthly premium
- Limited benefits with higher member cost-sharing at time of service;
2 deductible options
|
- Low monthly premium
- Limited temporary coverage (for 1- to 6-month terms) with higher member cost-sharing at time of service;
3 deductible options
|
Provider Access
The Alliance Select network includes almost all Iowa doctors and hospitals – no referrals needed |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes (Uses CMM network) |
Health & Wellness Benefits
Built-in health & wellness programs & online tools like a personal health assessment, online exercise trackers, & recipes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Member Discounts |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Preventive Care benefits |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
| Maternity |
Yes |
Complications Only |
Complications Only |
Complications only. Optional maternity benefit available |
Complications Only |
Complications Only |
| Well-Child Care (up to age 7) benefits |
Yes |
Yes |
Yes |
Yes |
No coverage for well-child care until 1/1/2011 |
No |
| Prescription Drugs |
Yes |
Yes |
Yes |
Yes |
Yes, generics only; with exceptions for contraceptives, insulin, insulin-related supplies, oral chemotherapy drugs, & routine immunizations |
Yes |
Out-of-State Coverage/
BlueCard® Program |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Chiropractic |
Yes |
Yes |
Yes |
Yes |
Yes; limited |
No |
| Mental Health & Chemical Dependency |
Yes; limited |
No |
No |
No |
Yes; limited |
No |
| Contraceptives |
Optional |
Optional |
Optional |
Optional |
Optional |
No |
| Dental |
Optional |
Optional |
Optional |
Optional |
Optional |
No |
| $500 Supplemental Accident |
Optional |
Optional |
Optional |
No |
No |
No |
| Single, 2-person, & family plans available |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Who this plan may be right for |
You want rich coverage with low coinsurance & you’re:
- Starting or raising a family, with the need for preventive & maternity care.
- Self-employed or work for a company that doesn’t provide health insurance.
- Retiring early.
|
You want moderate coverage with slightly higher coinsurance & you’re:
- A recent grad who’s just starting out.
- Self-employed or work for a company that doesn’t provide health insurance.
- Retiring early.
|
You want moderate coverage with a low monthly premium & you’re:
- A recent grad who’s just starting out.
- Starting or raising a family; you’re a healthy bunch who doesn’t get sick often.
- Between jobs.
|
You want a plan that may help you save on taxes & you’re:
- Starting or raising a family.
- Self-employed or work for a company that doesn’t provide health insurance.
- Retiring early.
|
You want a low premium with limited benefits that cover the “basics” & you’re:
- A recent grad.
- Retiring early.
- Between jobs.
|
You need short-term coverage while you’re:
- Between jobs.
- Just started a job and are waiting for your employer benefits to begin
|
| Review the Outline of Coverage (OOC) for more information. |
Alliance Select OOC  (470KB)
|
Blue Priority HSA OOC (355KB)
|
Blue Basics OOC (445KB)
|
Short-Term Blue OOC (1.6MB)
|
