Let's find the best
plans for you

To help you get started finding the right 2019 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 Your Blue Store locations.

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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.

  1. Priorities
  2. Out of state doctor
  3. Prescriptions
  4. Chronic conditions
  5. Dental

Do you prefer to pay a lower monthly premium if it means you would pay more when you go to a doctor or hospital?

Consider how often you might use doctors and labs over the next year, as well as how any premiums fit into your budget.

Next

Out of state doctors

Why we ask this question

Plans with a lower premium usually have higher out-of-pocket costs (such as deductibles, coinsurance, and copays) when services are required. Plans with a higher premium typically have lower 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.

  1. Priorities
  2. Out of state doctor
  3. Prescriptions
  4. Chronic conditions
  5. Dental

Do you need to see doctors outside of Rhode Island in non-emergency situations?

Different plans provide various levels of coverage for out-of-state services.

Next

Prescriptions

Why we ask this question

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.

  1. Priorities
  2. Out of state doctor
  3. Prescriptions
  4. Chronic conditions
  5. Dental

Do you prefer to pay lower (or no) pharmacy copays if it means you pay a higher pharmacy deductible?

Consider how often you might fill prescriptions over the next year, as well as how any deductibles fit into your budget.

Next

Chronic conditions

Why we ask this question

Plans with lower (or no) pharmacy copays usually have higher pharmacy deductibles. Plans with higher pharmacy copays typically have lower pharmacy deductibles. This question helps us decide whether you would be comfortable with a plan that requires a lower level of pharmacy copays when you receive services in exchange for higher pharmacy deductibles.

  1. Priorities
  2. Out of state doctor
  3. Prescriptions
  4. Chronic conditions
  5. Dental

Do you have an ongoing medical condition that you are currently managing?

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.

Next

Dental

Why we ask this question

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.

  1. Priorities
  2. Out of state doctor
  3. Prescriptions
  4. Chronic conditions
  5. Dental

Do you want dental coverage included in your plan?

Consider if you might use preventive and comprehensive dental services over the next year.

Why we ask this question

Some of our plans now include dental coverage. If you think you will need dental services, you may prefer a plan that provides dental coverage for no additional premium.

Try these plans

Based on your answers, we think these plans might work for you.

Compare these plans

Sometimes it's helpful to compare side by side, so have a look.

Benefit table gets pulled into this space.