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Balanced plans

Balanced plans give you the security of more coverage at an affordable price.

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Balanced plans could be a good fit for you
if you're:

  • Managing a mild condition with few prescriptions
  • Living a healthy lifestyle
  • Looking for financial protection

New to individual health insurance?
Get more information

Four balanced plans:

Compare balanced plans

Keep Fit is a PPO that covers medical preventive care and gives you two balanced options to choose from. That means you get the basic coverage you need for a lower premium.

Plan type Included coverage Inpatient deductible options Monthly rate
PPO Prescriptions**
Dental (optional)

For individuals:
$1,500, or $2,500

For families:
$3,000, or $5,000

 Starts at
$91.05*

More details:

  • Includes accidental injury deductible waiver
  • Includes diminishing deductible and fitness rewards for qualifying members
  • Coinsurance is 30 percent in network
  • Maternity and contraceptives aren't covered
  • Pre-existing condition waiting period is 180 days
  • Copays include $40 for office visits, $250 for ER visits
*For a 19-year-old nonsmoker, Plan 2,500
**Prescriptions covered after a $1,000 deductible (for individuals) or $2,000 deductible (for families) is met.

Smart Select is a HMO network plan, which means your primary care physician manages your care, and your healthy lifestyle could get you a lower rate.

Plan type Included coverage Deductible options Monthly rate
HMO Prescriptions
Maternity**
Dental (optional)

For individuals:
$1,500, $2,500 or $5,000

For families:
$3,000, $5,000 or $10,000

(Maternity deductible is $3,000)

 Starts at
$79.17*

More details:

  • Includes diabetic supplies
  • This plan requires referrals for specialists
  • Coinsurance is 20 percent, 25 percent, or 50 percent for select services
  • Contraceptives and maternity** are covered
  • Pre-existing condition waiting period is 180 days
  • Copays include $30 for office visits, $200 for ER visits
  • *For a 26-year-old male nonsmoker living in the West region of Michigan, Plan 5000
    (This plan is a medically underwritten product.)
  • **Maternity is covered after a $3,000 deductible is met.

OneBlue is an HMO network plan, which means your primary care physician manages your care.

Plan type Included coverage Deductible options Monthly rate
HMO Prescriptions
Maternity
Dental (optional)

For individuals:
$500

For families:
$1,000

 Starts at
$161.22*

More details:

  • Includes diabetic medication and supplies
  • This plan requires referrals for specialists
  • Coinsurance is 20 percent or 50 percent for select services
  • Contraceptives and maternity are covered
  • Pre-existing condition waiting period is 180 days
  • Copays include $30 for office visits, $200 for ER visits
  • *For a 26-year-old male, nonsmoker
    (This plan is a medically underwritten product.)

Flexible Blue II 1500 and 2500 are HSA-compatible PPOs with two balanced plans to choose from. That means you can have more control over how many health care dollars you save and spend.

Plan type Included coverage Deductible options Monthly rate
PPO Prescriptions
Maternity (optional)
Dental (optional)

For individuals:
$1,500 or $2,500

For families:
$3,000 or $5,000

 Starts at
$106.11*

More details:

  • Includes diabetic medication and supplies, per state mandate
  • HSA-compatible
  • Medical and prescription drug expenses contribute to the deductible
  • Contraceptives are covered and maternity is optional
  • Pre-existing condition waiting period is 180 days
  • Coinsurance is 20 percent in network
*For a 19-year-old, Plan 2500

All plans include:

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Care management

Access a health professional any time by calling our 24-hour health advice hotline.

preventive care icon
Preventive care

Maintain your health with the covered yearly checkups and screenings included in every plan.

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Healthy Blue Xtras℠

Get savings and special offers on everything from fitness gear to groceries.