BlueSimplicitySM Health Plans
2020 ACA Plan Comparison Guide for Small Groups | Iowa
Make it easy for your employees to know how much a service or procedure will cost before they go for care. BlueSimplicity is an innovative health plan that assigns copays based on the type of service received.
BlueSimplicity plan options
With BlueSimplicity, services are grouped into six levels, making it easy for your employees to know their cost share even before receiving services.
- Level 1: services are free and include preventive services.
- Level 6: address more serious health needs, such as air ambulance services and hospitalizations.
Regardless of the network you choose, all the products below are available. Amounts in the table reflect covered in-network services only. For PPO and POS plans, additional cost-shares will apply to out-of-network services.
All plans use Blue Rx Essentials℠ pharmacy benefits.
| Plan Details | BlueSimplicitySM Silver | BlueSimplicitySM Gold |
|---|---|---|
| Annual benefit — out-of-pocket maximum (opm) In-network1 | ||
| Single out-of-pocket maximum | $7,900 | $4,500 |
| Family2 out-of-pocket maximum | $15,800 | $9,000 |
| Level 1: Preventive care3 | Free | Free |
| Level 2: Primary care provider (PCP) office visit4, facility lab/X-ray, virtual visit5 | $50 | $30 |
| Level 3: Non-PCP office visit, outpatient PT/OT/ST, home health care, durable medical equipment (DME) | $100 | $60 |
| Level 4: Emergency room, ground ambulance, diagnostic imaging/studies6 and radiation therapy | $600 | $500 |
| Level 5: Outpatient practitioner and facility | $5,000 | $2,500 |
| Level 6: Hospitalization, air ambulance and skilled nursing facility | $7,900 | $3,500 |
| Prescription drugs - Blue Rx Essentials | ||
| Tier 1 | $30 | $25 |
| Tier 2 | $100 | $85 |
| Tier 3 | $200 | $150 |
| Specialty preferred | $300 | $300 |
| Non-preferred | $500 | $500 |
| Medicare Part D Creditable Coverage7 | Yes | Yes |
Your employees will be required to use Blue Distinction® Centers for knee and hip replacements, bariatric surgery, and transplants in 2020.
1 Out-of-pocket costs for in-network services only apply to the in-network out-of-pocket maximum. Only out-of-pocket costs for out-of-network services apply to the out-of-network out-of-pocket maximum.
2 The family out-of-pocket maximum (OPM) can be met through any combination of family members. No one member will be required to meet more than the single OPM amount to receive benefits for covered services during a benefit period.
3 All costs waived when using an in-network or participating provider on PPO plans. On all other available networks, costs are waived when using an in-network provider. Preventive care includes gynecological exams, preventive exams, screening mammography, well-child care and newborn care. For plans on the Wellmark Value Health Plan HMO Network, a designated personal doctor must be seen for preventive care/screenings and immunizations. One preventive exam with separate gynecological exam per member per benefit period. Well-child care up to age 7 (includes normal newborn care, physical examinations, assessments and immunizations.)
4 The primary care office copay applies to family practitioners, general practitioners, internal medicine practitioners, obstetricians/gynecologists, pediatricians, physicians’ assistants and advanced registered nurse practitioners. This lower office copay also applies to in-network chiropractors, physical therapists, occupational therapists, speech pathologists, and in some cases, mental health or chemical dependency visits. All other in-network practitioners are subject to the non-primary care office copay. The copay applies per practitioner, per visit.
5 Wellmark’s preferred virtual visit partner is Doctor On Demand.
6 Diagnostic imaging includes CT (computerized tomography), MEG (magnetoencephalography), MRAs (magnetic resonance angiography), MRIs (magnetic resonance imaging), PET (positron emission tomography), nuclear medicine and ultrasounds.
7 Medicare Part D creditable coverage status applies for 2020 plan year only.
