Blue Cross and Blue Shield of RI

(401) 459-5550, or 1-855-690-2583 (my0blue)

Monday - Friday, from 8:00 a.m. - 5:00 p.m.

Blue Cross and Blue Shield of RI

(401) 459-5550, or 1-855-690-2583 (my0blue)

Monday - Friday, from 8:00 a.m. - 5:00 p.m.

Medical Plan

Getting coverage is fast and easy. Add a medical plan today!

First, let’s make sure you’re in the right place.

Please read the four statements below. If any of them cover your situation, click “yes” and we’ll send you to the enrollment form. If none of them apply to you, click “no” and you can continue with the plan change form.

  • I want to add medical or dental coverage to my existing plan.
  • I need to add or remove dependents from my current plan.
  • I enrolled through HealthSource RI.
  • I am a dependent on someone else's plan, but now I need my own.

Who will be covered

Monthly Premium


Dental Plan

Getting coverage is fast and easy. Add a dental plan today!

Who will be covered

Monthly Premium


Effective Date

01/01/2018

Monthly Premium

2017

Let’s find the best plans for you

To help you get started finding the right 2017 plan for you, we just need you to answer some quick questions. Then we’ll provide you with three suggested plans that may fit your needs. You can research and purchase any of our plans here on our website, or you can learn more by speaking to a qualified representative on the phone or at a Your Blue Store location. Whether you purchase your Blue Cross plan directly through us or through HealthSource RI, we can help you through the process.

These questions are designed to help you choose a plan and to help us understand what our members look for in 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. While this tool is meant to help you find a plan that works for you, you can choose any plan we offer, not just the plans we pick.

1

Step 1 of 7

Coverage

Which would you say is more important to you when trying to decide on your healthcare coverage?

How you answer this question can help guide you as you go through the rest of the recommendation process.

Why do we ask this question?

Why we ask this question

Two of the most important factors in any health plan are:

  • The network of doctors, hospitals, and other providers you can use
  • Your costs including your monthly premiums, deductibles, and copays

Plans have difference ways to balance network options and cost, and the importance you place on either one helps us determine which plans will work better for you.

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2

Step 2 of 7

Network

Would you be willing to choose from a smaller selection of doctors and hospitals if it lowered your total healthcare costs?

Generally, plans that allow you to choose from a wider network of doctors charge more in monthly premiums and may have higher out-of-pocket costs.

Why do we ask this question?

Why we ask this question

This question helps us determine your preference for a plan with the flexibility to choose from a wider selection of doctors and hospitals or a plan with reduced costs and a smaller selection of doctors who will coordinate your care.

What are “out-of-pocket” costs?

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.

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3

Step 3 of 7

Out-of-State Doctor

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.

Why do we ask this question?

Why we ask this question

Some plans do not offer coverage outside of Rhode Island except in emergencies. 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.

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4

Step 4 of 7

Prescriptions

Are you (or someone in your family) currently taking more than three prescription medicines?

You'll want to check how much you are likely to pay out-of-pocket for your medications.

Why do we ask this question?

Why we ask this question

This question helps us determine what level of prescription coverage you might need. Our plans offer various levels of copays and deductibles.

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5

Step 5 of 7

Chronic Conditions

Do you (or someone in your family) 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.

Why do we ask this question?

Why we ask this question

Managing ongoing, 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.

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6

Step 6 of 7

Cost

Would you be willing to pay more each month if it meant you paid less on average over the course of a year when you receive medical care?

Consider how monthly premiums fit into your budget and whether you are likely to require many medical services.

Why do we ask this question?

Why we ask this question

This question helps us decide whether you would be comfortable with a plan that charges more each month in premiums in exchange for generally lower out-of-pocket costs when you receive services.

What are “out-of-pocket” costs?

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.

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7

Step 7 of 7

Risk

Are you willing to pay more of your medical bills out of your own pocket when you receive care if it means you could pay lower monthly premiums?

If you don’t think you’ll use many services, you might be comfortable with a plan that features lower premiums but potentially higher out-of-pocket costs.

Why do we ask this question?

Why we ask this question

This question helps us determine whether you would be comfortable accepting more risk in exchange for lower premiums.

What is a health savings account?

A health savings account (HSA) is a financial account that allows you to save money for qualified medical expenses. You can pay your medical bills with your HSA debit card, checks, or directly online. Contributing to your HSA could have tax advantages for you.

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It’s OK to change your mind.

Adjust your answers and see if other plans would work better for you.

1

Coverage

Which would you say is more important to you when trying to decide on your healthcare coverage?


2

Network

Would you be willing to choose from a smaller selection of doctors and hospitals if it lowered your total healthcare costs?



3

Out-of-State

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


4

Prescriptions

Are you (or someone in your family) currently taking more than three prescription medicines?



5

Chronic Condition

Do you (or someone in your family) have an ongoing medical condition that you are currently managing?


6

Cost

Would you be willing to pay more each month if it meant you paid less on average over the course of a year when you receive medical care?



7

Risk

Are you willing to pay more of your medical bills out of your own pocket when you receive care if it means you could pay lower monthly premiums?

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.

We can send these recommendations to you to review later.

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I would like coverage for .
My household income is per year and there is/are person/people in my household.

No thanks, I prefer not to answer these tax questions.

Based on your responses, it appears you may qualify for a tax subsidy.

Assistance is available if you need help with the calculator.

Based on your responses, it appears you don’t qualify for a tax subsidy.