PROVIDENCE, RI (May 14, 2012) – The open enrollment period for purchasing health insurance directly from Blue Cross & Blue Shield of Rhode Island (BCBSRI) begins Tuesday, May 15, and will conclude on Friday, June 15. BCBSRI is the only insurer in Rhode Island to offer guaranteed coverage, regardless of health status or preexisting conditions, during its annual open enrollment period.
Plans for Individuals and Families are available to any Rhode Islander, including domestic partners, who cannot get health insurance through an employer, Medicare, or Medicaid. Individuals looking to enroll in BCBSRI’s Direct Pay plans will not be subject to medical underwriting.
BCBSRI now offers a revamped product line with a total of five plans for individuals and families and one dedicated option for individuals. This year’s plans include incentives for healthy living as well as a new Diminishing Deductible program. Similar to the driver discount often offered by auto insurers, it allows members who are fortunate enough not to need much coverage in a given year and who do not meet their deductible to be rewarded with a lower deductible the following year. The plans include:
• BlueValue Direct 2500 (NEW) – Designed specifically for individual members looking for the lowest possible monthly premium, BlueValue Direct 2500 protects against catastrophic medical expenses while providing full coverage for many preventive services, including an annual dental cleaning and one set of bitewing X-rays. It also includes $4 copayments on most generic prescription drugs and a $100 reimbursement for joining a fitness center.
• VantageBlue 1000/2000 and 1500/3000 – These plans offer cost-saving benefits for individual and families, especially for those who may have diabetes, asthma or chronic obstructive pulmonary disease, including copayments of only $2 for the prescriptions drugs used to treat these chronic conditions. In addition, members with diabetes receive waived copayments for foot and eye exams, which are important screenings in treatment of the disease. All participants in these plans are eligible for a $50 incentive for completing a personal health assessment.
• Healthmate Coast-to-Coast Direct 2500/5000 – This plan delivers many traditional features for individuals and families as well as a Wellness Reward Program, which can help save 10 percent on total premiums for the year if certain wellness requirements are met. In order to earn the reward, members must complete requirements, including a wellness pledge and personal health assessment, within the time required.
• BlueSolutions for HSA 3000/6000 and 5000/10000 – These plans deliver some of the lowest monthly premiums offered by BCBSRI. Health savings account (HSA) plans typically have higher deductibles and allow individuals to save pre-tax dollars for future medical expenses. Once the deductible is met in the 5000/10000 plan, nearly all medical expenses are covered at 100 percent.
For detailed information about open enrollment or to request an enrollment brochure, please call 1-855-690-2583 "my0blue" or 401-459-5550, or visit BCBSRI.com
Blue Cross & Blue Shield of Rhode Island is the state’s leading health insurer and covers more than 600,000 members. The company is an independent licensee of the Blue Cross and Blue Shield Association. For more information, visit BCBSRI.com and follow us on Twitter @BCBSRI.