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Blue AccessSM
An Open Access Health Product
This innovative health plan gives your employees complete coverage and
direct access to every provider in the Wellmark Health Plan of Iowa
network — without referral. Benefits are available whenever covered
services are received from network providers.
As the group administrator of a large employer group, you have great
flexibility in customizing a Blue Access plan to meet your group's unique
needs. You can customize:
- Deductibles
- Coinsurance amounts
- Covered and non-covered services
- Prescription drug coverage
Five Points You Need to Know About Blue Access:
- Use network providers. Blue Access gives your employees coverage
when they see any of the providers who participate in the Wellmark
Health Plan of Iowa network, which includes 96 percent of
hospitals and 88 percent of physicians in Iowa.
Benefits are not available
if your employees go outside the Wellmark Health Plan of Iowa network.
- See a primary care provider for preventive care. Blue Access
emphasizes preventive care by offering benefits intended to keep your
employees healthy, which translates into a healthier workforce
for you and helps control health care costs. Employees receive
coverage for preventive benefits when they visit one of the
hundreds of primary care providers (PCPs) who contract with Wellmark
Health Plan of Iowa. Women
may also see an OB/GYN for preventive obstetrical and gynecological
services. These preventive benefits include routine
physicals, well-child care, immunizations, mammograms, and well-female
exams.
- No referrals needed for network providers. With Blue Access,
no referrals are needed for specialty care. When
your employees or their dependents need care, all they have to do is make an
appointment with a network provider to receive benefits for covered
services. The specialist
must participate in the network for benefits to be paid.
- Prescription drug plan included. Blue Rx Preferred prescription drug coverage has a
three-tier copayment structure to encourage your employees to use
generic or lower-priced drugs. Different copays apply for generic
drugs, specially selected brand name drugs, and all other brand name
drugs. Blue Rx Preferred provides convenient access to a large pharmacy
network that includes both national retail chains and independent
pharmacies.
- Coverage for routine vision exam. Because Wellmark is committed
to total health, we include coverage for
a routine vision exam in all our Blue Access health plans and offer
separate vision options
as well.
Contact your Wellmark account manager or broker
to find out if Blue Access meets your needs.
Please note: This information is only a summary of the benefits of Blue
Access health care coverage from Wellmark
Health Plan of Iowa; it is to be used for descriptive purposes only.
Benefits and general provisions described herein are subject to terms of
the actual policy and benefits certificate.
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