Blue - Blue Cross® Metro Detroit HMO Silver Saver

Michigan, 2018

  • Plan Type

    HMO

  • Metal Tier

    Silver

  • Out of Pocket Maximum

    $6,550

  • Deductible

    $3,250

Enroll Now
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Call (855) 866-5590 to speak with a licensed agent about a new health plan.

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Cost Sharing Benefits (In Network)

Policyholders are generally responsible for 100% of costs until the deductible amount is met. After the deductible has been met the policyholder is responsible for the coinsurance / copay until the out of pocket maximum is reached at which point the insurance company assumes 100% of all costs.

Deductible (Individual) $3,250
Deductible (Family) $6,500
Coinsurance Not applicable
Out of Pocket Maximum (Individual) $6,550
Out of Pocket Maximum (Family) $13,100

Doctor Visits

Primary Care Visit Data Not Available
Specialist Visit $50 Copay after deductible
Inpatient Facility 30% Coinsurance after deductible
Inpatient Physician 30% Coinsurance after deductible
Emergency Room Services $250 Copay after deductible + 30% Coinsurance after deductible

Tests and Imaging

Imaging (CT/PET Scans, MRIs) 30% Coinsurance after deductible
Laboratory Outpatient and Professional Services No charge
X-Ray and Diagnostic Imaging 30% Coinsurance after deductible

Health Management Programs

Asthma Available
Depression Available
Diabetes Available
Heart Disease Available
High Blood Pressure / High Cholesterol Available
Lower Back Pain Available
Pain Management Available
Pregnancy Available
Weight Loss Available

Other

Mental / Behavioral Health Inpatient 30% Coinsurance after deductible
Mental / Behavioral Health Outpatient Data Not Available
Rehabilitative Speech Therapy 30% Coinsurance after deductible
Rehabilitative Occupational & Physical Therapy 30% Coinsurance after deductible
Outpatient Facility 30% Coinsurance after deductible
Outpatient Surgery 30% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

73% Cost Sharing Benefits

Households with incomes between 200% to 250% of FPL qualify for the following cost sharing benefits for this silver plan. To understand how cost sharing reductions work and how they work for you see our article about Obamacare Cost Sharing Reduction Discounts

Deductibles and Cost Sharing

Deductible (Individual) $2,000
Deductible (Family) $4,000
Out of Pocket Maximum (Individual) $5,500
Out of Pocket Maximum (Family) $11,000

Doctor Visits

Primary Care Physician
Specialists $50 Copay after deductible
Emergency Room $250 Copay after deductible + 30% Coinsurance after deductible
Inpatient Facility 30% Coinsurance after deductible
Inpatient Physician 30% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

87% Cost Sharing Benefits

Households with incomes between 150% to 200% of FPL qualify for the following cost sharing benefits for this silver plan.

Deductibles and Cost Sharing

Deductible (Individual) $600
Deductible (Family) $1,200
Out of Pocket Maximum (Individual) $1,500
Out of Pocket Maximum (Family) $3,000

Doctor Visits

Primary Care Physician
Specialists $50 Copay after deductible
Emergency Room $250 Copay after deductible + 10% Coinsurance after deductible
Inpatient Facility 10% Coinsurance after deductible
Inpatient Physician 10% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

94% Cost Sharing Benefits

Households with incomes between 138% to 150% of FPL qualify for the following cost sharing benefits for this silver plan.

Deductibles and Cost Sharing

Deductible (Individual) $300
Deductible (Family) $600
Out of Pocket Maximum (Individual) $650
Out of Pocket Maximum (Family) $1,300

Doctor Visits

Primary Care Physician
Specialists $30 Copay after deductible
Emergency Room $100 Copay after deductible + 10% Coinsurance after deductible
Inpatient Facility 10% Coinsurance after deductible
Inpatient Physician 10% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

Other Plans in Michigan

Plan Blue Cross® Select HMO Value Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Metro Detroit HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Select HMO Silver Saver Deductible $3,250 Coinsurance Not applicable Out of Pocket $6,550
Plan Blue Cross® Preferred HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Metro Detroit HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Select HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Preferred HMO Silver Saver Deductible $3,250 Coinsurance Not applicable Out of Pocket $6,550
Plan Blue Cross® Metro Detroit HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Preferred HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Select HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Silver Saver Deductible $3,250 Coinsurance Not applicable Out of Pocket $6,550
Plan Blue Cross® Preferred HMO Gold Deductible $500 Coinsurance Not applicable Out of Pocket $5,500
Plan Blue Cross® Preferred HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Metro Detroit HMO Bronze Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Value Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
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Cost Sharing Benefits (In Network)

Policyholders are generally responsible for 100% of costs until the deductible amount is met. After the deductible has been met the policyholder is responsible for the coinsurance / copay until the out of pocket maximum is reached at which point the insurance company assumes 100% of all costs.

Deductible (Individual) $3,250
Deductible (Family) $6,500
Coinsurance Not applicable
Out of Pocket Maximum (Individual) $6,550
Out of Pocket Maximum (Family) $13,100

Doctor Visits

Primary Care Visit Data Not Available
Specialist Visit $50 Copay after deductible
Inpatient Facility 30% Coinsurance after deductible
Inpatient Physician 30% Coinsurance after deductible
Emergency Room Services $250 Copay after deductible + 30% Coinsurance after deductible

Tests and Imaging

Imaging (CT/PET Scans, MRIs) 30% Coinsurance after deductible
Laboratory Outpatient and Professional Services No charge
X-Ray and Diagnostic Imaging 30% Coinsurance after deductible

Health Management Programs

Asthma Available
Depression Available
Diabetes Available
Heart Disease Available
High Blood Pressure / High Cholesterol Available
Lower Back Pain Available
Pain Management Available
Pregnancy Available
Weight Loss Available

Other

Mental / Behavioral Health Inpatient 30% Coinsurance after deductible
Mental / Behavioral Health Outpatient Data Not Available
Rehabilitative Speech Therapy 30% Coinsurance after deductible
Rehabilitative Occupational & Physical Therapy 30% Coinsurance after deductible
Outpatient Facility 30% Coinsurance after deductible
Outpatient Surgery 30% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

73% Cost Sharing Benefits

Households with incomes between 200% to 250% of FPL qualify for the following cost sharing benefits for this silver plan. To understand how cost sharing reductions work and how they work for you see our article about Obamacare Cost Sharing Reduction Discounts

Deductibles and Cost Sharing

Deductible (Individual) $2,000
Deductible (Family) $4,000
Out of Pocket Maximum (Individual) $5,500
Out of Pocket Maximum (Family) $11,000

Doctor Visits

Primary Care Physician
Specialists $50 Copay after deductible
Emergency Room $250 Copay after deductible + 30% Coinsurance after deductible
Inpatient Facility 30% Coinsurance after deductible
Inpatient Physician 30% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

87% Cost Sharing Benefits

Households with incomes between 150% to 200% of FPL qualify for the following cost sharing benefits for this silver plan.

Deductibles and Cost Sharing

Deductible (Individual) $600
Deductible (Family) $1,200
Out of Pocket Maximum (Individual) $1,500
Out of Pocket Maximum (Family) $3,000

Doctor Visits

Primary Care Physician
Specialists $50 Copay after deductible
Emergency Room $250 Copay after deductible + 10% Coinsurance after deductible
Inpatient Facility 10% Coinsurance after deductible
Inpatient Physician 10% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

94% Cost Sharing Benefits

Households with incomes between 138% to 150% of FPL qualify for the following cost sharing benefits for this silver plan.

Deductibles and Cost Sharing

Deductible (Individual) $300
Deductible (Family) $600
Out of Pocket Maximum (Individual) $650
Out of Pocket Maximum (Family) $1,300

Doctor Visits

Primary Care Physician
Specialists $30 Copay after deductible
Emergency Room $100 Copay after deductible + 10% Coinsurance after deductible
Inpatient Facility 10% Coinsurance after deductible
Inpatient Physician 10% Coinsurance after deductible

Prescription Drugs

Generic Rx $4 Copay after deductible
Preferred Brand Rx 25% Coinsurance after deductible
Non Preferred Brand Rx 45% Coinsurance after deductible
Specialty Drugs 40% Coinsurance after deductible

Other Plans in Michigan

Plan Blue Cross® Select HMO Value Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Metro Detroit HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Select HMO Silver Saver Deductible $3,250 Coinsurance Not applicable Out of Pocket $6,550
Plan Blue Cross® Preferred HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Metro Detroit HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Select HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Preferred HMO Silver Saver Deductible $3,250 Coinsurance Not applicable Out of Pocket $6,550
Plan Blue Cross® Metro Detroit HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Preferred HMO Bronze Saver HSA Deductible $6,650 Coinsurance Not applicable Out of Pocket $6,650
Plan Blue Cross® Select HMO Silver Extra Deductible $3,500 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Silver Saver Deductible $3,250 Coinsurance Not applicable Out of Pocket $6,550
Plan Blue Cross® Preferred HMO Gold Deductible $500 Coinsurance Not applicable Out of Pocket $5,500
Plan Blue Cross® Preferred HMO Silver Deductible $2,000 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Metro Detroit HMO Bronze Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350
Plan Blue Cross® Select HMO Value Deductible $7,350 Coinsurance Not applicable Out of Pocket $7,350