Light plans give you basic coverage, so you get the protection you need at a lower monthly rate.
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Keep Fit is a PPO that covers medical preventive care and gives you three light 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: For families: |
Starts at $43.95* |
Young Adult Blue Max is a PPO for individuals 19 to 30 years old. This low-premium plan covers preventive medical, vision and dental care in addition to basic coverage.
| Plan type | Included coverage | Deductible options | Monthly rate |
|---|---|---|---|
| PPO | Dental (optional) |
For individuals: |
Starts at $97.62* |
Flexible Blue II 5000 is an HSA-compatible PPO with a $5,000 deductible and a low premium. 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 Dental (optional) |
For individuals: For families: |
Starts at $73.43* |

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

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

Get savings and special offers on everything from fitness gear to groceries.
| Options |
| Plan Structure: | ||||||
|---|---|---|---|---|---|---|
| Network | PPO | PPO | PPO | |||
| Prescription Coverage | No Discounts available at the BCBSM-negotiated rate |
Yes $10 copay for generic 50% for brand name or specialty drugs |
Yes 50% after deductible |
|||
| Maternity Coverage | No | No | No | |||
| Dental Coverage | Optional (Personal Blue Dental or Personal Blue Dental Plus) | Optional (Personal Blue Dental or Personal Blue Dental Plus) | Optional (Flexible Blue Dental Plus) | |||
| Included Services | Preventive medical, dental and vision | Preventive medical | Preventive medical | |||
| Unique Benefits | Accidental Injury Deductible Waiver | Accidental Injury Deductible Waiver and wellness incentives including diminishing deductible and fitness rewards | HSA-compatible | |||
| Possible Costs: | ||||||
| Deductible | $1,000 |
|
Plan 5000 $5,000 ind. $10,000 fam. |
|||
| Out-of-pocket maximum | $3,500 |
|
$5,800 ind. $11,600 fam. |
|||
| Fixed co-pays include | $50 urgent care $150 ER visits (waived if admitted) |
$40 office visits $75 urgent care $250 ER visits (waived if admitted) |
$50 urgent care $150 ER visits (waived if admitted) |
|||
| Coinsurance | You pay 30% in-network You pay 50% out-of-network |
You pay 30% in-network You pay 50% out-of-network |
You pay 20% in-network You pay 40% out-of-network |
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| Other Highlights | ||||||
| Waiting period for preexisting conditions | 180 days | 180 days | 180 days |
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