Basic Option
Stay in-network for care. Basic Option gives you access to our Preferred provider network that includes 96% of hospitals and 95% of doctors in the U.S.
Basic Option Benefits
See costs for typical services when you use Preferred providers.
| Basic Option | |
|---|---|
| Preventive Care | Nothing for covered preventive screenings, immunizations and services |
| Physician Care |
$30 copay for primary care1 $40 copay for specialists1 |
| Mental Health Visits | $30 copay |
| Virtual doctor visits by Teladoc® |
$0 for first 2 visits |
| Urgent Care Center | $35 copay |
| Prescription Drugs |
Preferred Retail Pharmacy^: Tier 1 (Generics): $15 copay Tier 2 (Preferred brand): $60 copay2 Tier 3 (Non-preferred brand): 60% of our allowance ($90 minimum)2 Tier 4 (Preferred specialty): $85 copay2 Tier 5 (Non-preferred specialty): $110 copay2 Mail Service Pharmacy: Available to members with Medicare Part B primary only. Visit the Medicare page for more information. Tier 1 (Generics): $20 copay Tier 2 (Preferred brand): $100 copay Tier 3 (Non-preferred brand): $125 copay Specialty Pharmacy^: Tier 4 (Preferred specialty): $85 copay2 Tier 5 (Non-preferred specialty): $110 copay2 |
| Maternity Care |
$250 copay inpatient $0 outpatient |
| Hospital Care |
Inpatient (Precertification is required): $250 per day copay; up to $1,500 per admission Outpatient: $150 copay per day per facility1 |
| Surgery |
$150 copay in an office setting1 |
| ER (accidental injury) |
$250 copay per day per facility |
| ER (medical emergency) |
$250 copay per day per facility |
| Lab work (such as blood tests) |
15% our allowance1 |
|
Diagnostic services (such as sleep studies, CT scans) |
Up to $100 copay in an office1 Up to $200 copay in a hospital1 |
| Chiropractic Care |
$30 copay per treatment; up to 20 visits per year1 |
| Dental Care | $30 copay per evaluation; up to 2 per year |
| Rewards Program |
Earn $50 for completing the Blue Health Assessment3 |
| Network Coverage | In-network care only, except in certain situations like emergency care |
| Out-of-Pocket Maximum (PPO) |
Self Only: $6,500 Self + One and Self & Family: $13,000 |
| Annual Deductible | No deductible |
Under Basic Option, benefits are not available for services performed by Non-preferred providers, except in certain situations such as emergency care.
Cost sharing may not apply or may be different if Medicare is your primary coverage (it pays first).
- ^ What you’ll pay for a 30-day supply of covered drugs.
- 1 Under Basic Option you pay 30% of our allowance for agents, drugs and/or supplies you receive during your care.
- 2 If you have Medicare Part B primary, your costs for prescription drugs may be lower.
- 3 You must be the contract holder or spouse, 18 or older, on a Standard or Basic Option Plan to earn incentive rewards.
This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan’s federal brochure (RI 71-005). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
Get up to $800 back with a Medicare Reimbursement Account
Each member of a Basic Option plan who has Medicare Part A and Part B can get reimbursed up to $800 per year for paying their Medicare Part B premiums.
Learn More