Classic Blue^®

A Traditional Health Product

Classic Blue^®

A Traditional Managed Indemnity Health Product

Classic Blue is a managed indemnity product, which means your employees can visit any provider for their medical care, but will benefit from provider negotiated pricing and electronic claims filing when care is coordinated through providers who participate in a network.

Customize a Classic Blue plan to best meet your employees' needs from deductible and coinsurance amounts to prescription drug coverage and preventive services. Qualified, high-deductible Classic Blue plans can be paired with the Blue Priority HSA (Health Savings Account).

Five Points You Need to Know About Classic Blue:

• No network restrictions, with incentives to use participating providers. Classic Blue offers your employees unsurpassed flexibility because no matter what provider they visit, they'll have coverage due to one of Classic Blue's most attractive features — no network restrictions. However, by visiting a participating provider your employees will get some added benefits. And with such a strong contingent of participating providers, it's easy for your employees to take full advantage of the added benefits.
• No balance billing. Contracted providers won't collect from members any difference between the rate they usually charge for covered services and the rate Wellmark has negotiated on behalf of its members. (In other words, these providers have agreed to accept Wellmark's settlement as payment in full for covered services, once any applicable deductible, coinsurance, and/or copayment amounts are paid by the member.)
• Benefits management provisions. With Classic Blue, you receive benefits management provisions — for which your employees are responsible — that help control the rising costs of health care.
• Flexibility in plan design. As the administrator of a large group, you have great flexibility in your plan design and selection of covered and noncovered services. Your account manager or broker can help you customize your plan and answer any questions you may have.
• Prescription drug plan included. Wellmark partners with one of the nation's top pharmacy benefits managers to offer a variety of benefit plan designs and convenient access to a large pharmacy network that includes both national retail chains and independent pharmacies.

Call your Wellmark account manager or broker to find out if Classic Blue meets your needs.

Please note: This information is only a summary of the benefits of Classic Blue health insurance coverage from Wellmark Blue Cross and Blue Shield; 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.

Copyright© 2008 Wellmark, Inc. All Rights Reserved.
Wellmark Blue Cross and Blue Shield is an Independent Licensee of the Blue Cross and Blue Shield Association doing business in Iowa and South Dakota. Blue Cross®, Blue Shield®, and the Cross® and Shield® symbols are registered marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans.