Blue Cross Blue Shield of Minnesota

Blue Cross Blue Shield of Minnesota – Overview

The Blue Cross Blue Shield of Minnesota was not formed by the “Minnesota Hospital Association.” Blue Cross of Minnesota, originally called the “Minnesota Hospital Service Association,” was established to provide pre-paid hospital care. The first Blue Cross plan was established in 1929 at Baylor University in Texas, offering a pre-paid hospitalization plan.

Blue Cross Blue Shield of Minnesota is a significant health plan provider in the state but claiming it has the largest network requires current comparative data with other health systems. Blue Cross Blue Shield of Minnesota primarily serves members within Minnesota.

BCBS Minnesota wants its members to have simple and affordable access to quality healthcare whenever needed. It employs around 3,500 people in Minnesota.

Blue Cross Blue Shield Minnesota Individual Health Insurance Plans

BCBS Minnesota believes in providing inexpensive and simple healthcare coverage for all. It has three different sets of individual health insurance plans. You must buy a plan according to the county you live in. Plans are designed to meet different healthcare needs and budgets.

The BCBS Minnesota health insurance plans are commonly structured in three levels, based on cost-sharing and coverage – Gold, Silver, or Bronze. The metal levels (Gold, Silver, Bronze) indicate the plan’s overall coverage and cost-sharing structure.

To choose the right plan, you will need to ask how frequently you need medical care or prescription medication and how much you can afford to pay. In addition, you will need to determine how much you want to pay out-of-pocket as deductibles before your insurance plan takes over the expenses.

Here are some of the benefits each of the three levels of BCBS Minnesota individual health insurance plans have to offer:

Gold – The gold level has higher premiums but lower deductibles to meet. You can choose from various HSA (Health Savings Account) compatible plans to go with it. Plan recommendations depend on individual health needs and financial situations; while Gold plans have higher premiums but lower out-of-pocket costs, suitability varies by individual.

Silver – The silver level has a fairly affordable monthly premium and a significantly low deductible. There are also HSA-compatible Silver plans from which to choose. This level of insurance is recommended if you are unsure how often you will need to go to the doctor or the pharmacy.

Bronze — The bronze level requires a very low premium but has a higher deductible. You can also choose from several HSA-compatible Bronze plans. Bronze plans are typically recommended for those who expect low medical usage and are willing to pay higher out-of-pocket costs for individual services, but personal circumstances should guide plan choice.

Blue Cross Blue Shield Minnesota Blue Plus Minnesota Value

The BCBS Minnesota Blue Plus Minnesota Value health insurance plan offers its members easy access to quality healthcare from 121 hospitals across the state through more than 12,520 primary and over 33,150 specialty care providers.

Some of the major healthcare benefits from the BCBS Minnesota Blue Plus Minnesota Value plan are:

Deductibles between USD 1,000 to USD 7,500 (for individuals)
Coinsurance ranges from 0% to 40% (for in-network services)
Maximum out-of-pocket expenses vary between USD 3,500 to USD 9,100
Coverage includes visits to the healthcare provider’s office, specialist care, retail health clinic and urgent care services.
Zero deductible for E-visits (Telehealth services)
Zero to 40% deductible for other services (lab, pathology, standard and advanced imaging)
Prescription drug coverage includes BasicRx drug list, Essential Pharmacy Network, etc.
Zero deductible for preventive healthcare services
Zero deductible for well-child care (for children up to 6 years old) and prenatal care
Zero to 40% deductible for maternity care (labor, delivery, post-delivery care)
Zero to 40% deductible for outpatient and inpatient facility services
Zero to 40% deductible for chiropractic, occupation, physical and speech therapy
Zero to 40% deductible for eyewear for children (up to 18 years old)
Zero to 15% deductible for ambulatory surgical center services

You can find more details about the BCBS Minnesota Blue Plus Minnesota Value plan on the official website.

Blue Cross Blue Shield Minnesota Blue Plus Metro MN Plan

The BCBS Minnesota Blue Plus Metro health insurance plan offers top-notch patient satisfaction and quality care, including healthcare services at 29 major hospitals through more than 4,920 primary care providers and over 19,280 specialty care providers in the selected counties.

The Blue Plus Metro MN plan from Blue Cross Blue Shield Minnesota is also offered at three levels – Gold, Silver, and Bronze. Here are some of the major benefits members receive when they choose BCBS Minnesota Blue Plus Metro medical insurance plan for individuals:

Deductibles ranging between USD 1,300 to USD 7,500
Zero to 30% coinsurance options
Maximum out-of-pocket expenses vary between USD 7,250 to USD 7,700
Zero to 30% deductible for visits to healthcare provider’s offices, specialist care, retail health clinic and urgent care services
Zero deductibles for E-visits (Telehealth services)
Zero to 30% deductible for lab, pathology, standard, and advanced imaging services
Zero to 50% deductible for prescription drugs
Zero deductibles for preventive care
Zero deductible for well-child care, including vision exam (for children up to 6 years)
Zero deductible for prenatal care
Zero to 30% deductible for maternity care, including labor, delivery and post-delivery care
Zero to 30% deductible for emergency care and ambulance services, including expenses of facility and physician
Zero to 30% deductible for outpatient care, including facility, physician and lab work expenses
Zero to 30% deductible for inpatient care, including physician and facility expenses
Zero to 30% deductible for physical, chiropractic, occupational and speech therapy
Zero to 30% deductible for children up to 18 years
Zero to 10% deductible for ambulatory surgical center services

To learn more about the BCBS Minnesota Blue Plus Metro MN health insurance plan, you can check out the official website.

Blue Cross Blue Shield Minnesota Blue Plus Southeast MN

The Blue Cross Blue Shield Minnesota Blue Plus Southeast MN health insurance plan offers extensive coverage and benefits to members. Under this insurance plan, members can seek affordable medical and healthcare services at 20 hospitals through more than 3,990 primary and over 9,800 specialty care providers.

The BCBS Minnesota Blue Plus Southeast MN plan is also offered at three levels – Gold, Silver, and Bronze. Here are some of the major benefits you get when you choose the Blue Plus Southeast MN insurance plan:

Deductibles between USD 1,300 and USD 7,500
Zero to 30% in coinsurance
Maximum out-of-pocket expenses ranging between USD 7,250 to USD 7,700
Zero to 30% deductible for visits to primary care providers, specialty care, retail health clinics and urgent care clinics
Zero deductible for E-visits (Telehealth services)
Zero to 30% deductible for pathology, blood test, standard and advanced imaging tests
Zero to 50% deductible for prescription drugs, including BasicRx drug list and Essential Pharmacy Network
Zero deductible for preventive care services
Zero deductible for child care, including vision exam (for children up to 6 years old)
Zero to 30% deductible for prenatal care
Zero to 30% deductible for maternity care, including labor, delivery and post-delivery care
Zero to 30% deductible for emergency care and ambulance services, including expenses for physician and facility
Zero to 30% deductible for inpatient facility services, including expenses for facility and physician expenses
Zero to 30% deductible for outpatient facility services, including physician, facility, lab, pathology, standard, and advanced imaging expenses
Zero to 30% deductible for physical, chiropractic, occupation, and speech therapy services
Zero to 30% deductible for eyewear for children below 18 years
Zero to 30% deductible for ambulatory surgical care services

If you want to learn more details about the BCBS Minnesota Southeast MN health insurance plan, you can visit the official website.

Conclusion

The Blue Cross Blue Shield of Minnesota was the first Blue Cross organization in the United States. It provides millions of members with affordable access to quality healthcare in different counties of the state through a vast network of highly qualified providers and facilities not just in the state but also across the country.

Grants for Medical

Blue Cross Blue Shield of Minnesota