A plan that covers office visits and generic drugs before the deductible while also providing comprehensive coverage after you meet the deductible. You have access to our national network of doctors, labs, and hospitals, with no referral required.
A few highlights of your plan:
- Lower copays when you visit a primary care provider (PCP) at a patient-centered medical home (PCMH) (We explain these below.)
- No cost for some over-the-counter medications when you get them at a participating pharmacy with a prescription
- Full coverage for programs to stop smoking, lose weight, and manage conditions like asthma and diabetes
$0 for prevention
You can make a big difference in your health by getting the preventive care you need. Annual physicals, routine tests, and many more services may cost you nothing out-of-pocket when you receive the services in-network.
Find a doctor and see the cost
Know the basics
The amount you pay before your health plan starts to pay for certain medical bills. It resets every calendar year or plan year.
A specific dollar amount you pay when you get healthcare. Example: A doctor might charge $100 for a visit. If your health insurance has a $20 copay, you would pay the doctor $20 and your insurance would pay the doctor $80.
The percentage of the total medical bill that you have to pay after you’ve met your deductible. For example, some plans have a 20% coinsurance charge for physical therapy. So if the total bill is $100, the coinsurance would be $20.
The maximum amount you would pay out-of-pocket for covered healthcare services each year, including deductible, copays, and coinsurance. After the out-of-pocket is met, in-network covered services are paid at 100% by Blue Cross & Blue Shield of Rhode Island.