Product overview

2018 Blue Solutions Renewal Guide

We’re making health care work better for you With our Blue Solutions® health plans, Independence Blue Cross (Independence) provides your employees and their families with comprehensive, affordable coverage and resources to help them maximize their benefits and live healthier. We added new health plans and made other enhancements for 2018. Increase retention with the College Tuition Benefit® Employees can earn Tuition Rewards® points to help eligible family members pay for their undergraduate education. Two new health plans give you more choice HMO Platinum Preferred $30/$60/$400 This competitively priced plan offers high-level benefits with low out-of-pocket costs. See page 19. Features of our HMO Platinum plans: • Give members predictability with fixed out-of-pocket costs and no deductible. • Members must choose a primary care physician to coordinate care, which helps lower costs. • No out-of-network benefits, except emergency and urgent care. EPO Silver HSA -0 $3,000/80% This plan lets members access our PPO network at a lower premium and pairs with an HSA for additional savings. See page 39. Features of our EPO plan: • Combines the flexibility of a PPO and the cost savings of an HMO. • Members can choose any in-network provider and don’t need to pick a PCP or get referrals. • In-network benefits covered out of area through the BlueCard® PPO. No out-of-network benefits, except emergency and urgent care. Enhanced PT/OT and radiology benefit Non-HSA-qualified PPO plans have an enhanced benefit to help members lower out-of-pocket costs for physical and occupational therapy and radiology, based on location. More cost-effective prescription drug formulary All plans use the new Value Formulary to drive more cost-effective prescription drug utilization. New tools help empower member well-being Achieve with Independence tools and programs motivate members to take an active role in their health. 2


2018 Blue Solutions Renewal Guide
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