Contact the BlueCHiP for Medicare Sales Department
To help you get started finding the right 2017 BlueCHiP for Medicare plan, we just need you to answer a few quick questions and we will provide you with some suggested plans that may fit your needs. You can research and purchase any of our plans here on our website, or learn more by speaking to a qualified Medicare representative or at one of our YourBlue Store locations.
These questions are designed to help you choose a plan. We do not use your answers for any other purpose. Your answers will not affect your ability to get coverage or your monthly premiums. You can choose any plan we offer, not just the plans we recommend.
Step 1 of 6
How you answer this question can help guide you as you go through the rest of the recommendation process.
The doctors I can see
(premiums and services)
Why do we ask this question?
Two of the most important factors in any health plan are:
Step 2 of 6
Generally, plans that allow you to choose from a wider network of doctors may have higher premiums.
This question helps us determine your preference for a plan with the flexibility to choose from a wider selection of primary care physicians or a plan with reduced costs and a smaller selection of primary care physicians who will coordinate your care.
Step 3 of 6
Different plans provide various levels of coverage for out-of-state services.
Some plans do not offer coverage outside of Rhode Island. If you’re already seeing providers outside of the state or if you regularly travel, you may prefer to have a plan that provides coverage for these services.
Step 4 of 6
You'll want to make sure your prescriptions are covered under any plan you choose.
This question helps us determine what level of prescription coverage you might need. Our BlueCHiP plans offer various levels of copays and deductibles.
Different plans have different lists of prescription medications that they cover. Those lists are called formularies. They also have different groupings, or tiers, of medications within those lists. The amount you pay for a prescription can be affected by the tier that includes the medications you take.
Generally, generic drugs fall into the lowest tier with the lowest copay. Brand name drugs will fall into higher tiers with higher copays. Different plans will place brand name drugs in different tiers.
Step 5 of 6
Consider how often you might use doctors and labs over the next year, as well as how any premiums fit into your budget.
Plans with a higher premium usually have lower out-of-pocket costs when services are required. Plans with a lower premium typically have higher costs. This question helps us decide whether you would be comfortable with a plan that requires a higher level of copay and out-of-pocket costs when you receive services in exchange for a lower premium.
Out-of-pocket costs are those medical expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered. They do not include monthly premiums.
Step 6 of 6
Managing conditions like diabetes, asthma, or heart disease can require repeated doctor visits, and some plans can help you manage both your health and the cost of those visits.
Managing chronic conditions, for example diabetes, COPD, or some cancers, takes a great deal of effort on your part. You want a health plan designed to cover these conditions. So you worry less about what costs are covered, and you can focus more on your health.
Adjust your answers and see if other plans would work better for you.
Which would you say is more important to you when trying to decide on your healthcare coverage?
Would you be willing to choose from a smaller selection of primary care physicians who coordinate your care if it lowered your healthcare costs?
Do you need to see doctors outside of Rhode Island in non-emergency situations?
Are you currently taking more than three prescription medicines?
Do you prefer to pay a higher monthly premium if it means you could pay less when you go to a doctor or hospital?
Do you have an ongoing medical condition that you are currently managing?
Based on your answers, we think these plans might work for you.
Sometimes it's helpful to compare side by side, so have a look.
We can send these recommendations to you to review later.