Blue Cross Power Select HMO Plan for Small Groups:

Now that we have gone through the available PPO type plans, it is time to start taking a look at the four HMO options that are available to Blue Cross small group customers. This plan features an unlimited benefit amount, as long as the services are provided in-network.

Annual Deductible - There is a $500 annual deductible under this plan. This deductible will apply to care received for in-network inpatient and outpatient care, unless there is a medical emergency, or if the care is received at an ambulatory surgical center or dialysis center.

Annual Out-of-Pocket Maximum - This plan features an aggregated method for determining the out-of-pocket maximum. This means that once one member of a covered family reaches the maximum amount, everyone in the family is considered to have met theirs as well. There is a $2250 maximum amount for singles and a $4500 per family maximum.

Office Visits - These visits are not subjected to the annual deductible and include office visits for maternity care. For a primary care visit, there is a $25 co-pay. If the visit is to a specialist or a referral visit, the co-pay is then $35.

Professional Services - Any professional services that are not classified as an office visit are completely covered by this plan. This includes lab work, maternity care and lab tests.

Hospital Inpatient Care - If an employee needs inpatient care under this plan there is a 10% co-insurance requirement, once the deductible has been met. While non-participating providers are not normally covered in an HMO plan, if there is an emergency, the plan will provide coverage.

Hospital Inpatient Professional Services - These services, such as anesthesia and other professional care are also completely covered by this plan.

Outpatient Care - There is a 20% co-insurance requirement, once the deductible has been reached for this type of care. Again, if there is an emergency the plan will provide coverage, even if a provider is considered a non-participating member.

Ambulatory Service Centers - There is a pre-service review required for coverage to be granted for services received at an Ambulatory center. If it is approved, there is a 20% co-insurance fee, after the deductible has been met. Emergency coverage is provided for non-participating centers.

Prescription Drugs - If a prescription is generic, there is a $15 co-pay for this medication. This moves up to $25 for brand name medication, if there is no available generic alternative. There is also a $150 brand name deductible for these prescriptions. If a generic is available, there is a $15 co-pay, plus a requirement of payment for the difference between the two prices of the medications. If a pharmacy is not participating with Blue Cross, these fees move up to 50% of the limited fee schedule, once the deductible has been met, and 100% of any additional charges. Mail order is not available for these non-participating pharmacies, but they can order a 30-day supply from their regular pharmacy. If they visit a participating pharmacy, a 30-day supply is allowed, and a 60-day supply is allowed for mail order purchases.

• Why Blue Cross is Good For Your Business
• The Blue Cross Employee Assistance Program for Large Group Plans
• Blue Cross Life and Disability Insurance for Large Group Plans
• Blue Cross Medcall for Large Group Plans
• Blue Cross Prescription Coverage for Large Group Plans
• What Can the Blue Cross Blue Card PPO Plan Provide Your Employees?
• Blue Cross Large Group HMO Preferred Plan
• Your Options for Small Group Plans with Blue Cross
• Frequently Asked Questions About Small Group Life and Disability Insurance
• Special Benefits for Your Employees from Blue Cross
• Blue Cross Small Group $35 Co-pay GenRx Plan
• Blue Cross Small Group PPO $40 Co-Pay Plan
• Blue Cross Small Group PPO $20 Co-Pay Plan
• Blue Cross Small Group PPO 3500 HSA Compatible Plan
• Blue Cross Small Group Advantage PPO $25 Co-Pay Plan
• Blue Cross Small Group PPO $10 Co-Pay Plan
• SmileNet Dental Discount Program from Blue Cross
• Blue Cross Power Select HMO Plan for Small Groups
• Blue Cross Small Group High Deductible EPO Plan
• Comparing the Blue Cross Small Group Power Health Fund Plans
• Comparing the Blue Cross Classic HMO Plan and the Saver HMO Plan
• The Blue Cross Healthy Improvement Program
• Blue Cross DirectAccess, SpeedyReferral and Baby Connection Programs
• Medicare Advantage Plans with Blue Cross
• What Does the National Committee for Quality Assurance Do?
• Saver Select Dental HMO Plan from Blue Cross
• Blue Cross Final Expense Whole Life Insurance Plan