2022 Silver Small Group PlansOur Silver plans offer a variety of coverage options at lower than average premiums. View the plan details below. Please note, all premiums listed represent coverage for dependents up to age 26. Show
If you are part of an existing group with Highmark Blue Cross Blue Shield of Western New York, visit BlueConnect to enroll. If you are a new group and would like to enroll in a Silver plan, please contact your broker or account executive. 2022 Silver Small Group, Q1* All plans include Affordable Care Act (ACA) preventive drug coverage † For plans with a deductible, insulin is subject to cost-sharing but capped at $100 for a 30-day supply Benefits of Blue
BlueConnectA comprehensive online benefits solution.
Wellness CardOffered with every small group plan.
Preventive Care$0 preventive services. Blue PPO Silver PlansOur Rating: All Silver plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Silver Plans have a higher monthly premium and often lower out-of-pocket costs than bronze plans. In most cases, Silver plans cover 80% of costs, while you cover 20%. There are 2 Blue PPO Silver Plan Options:
PPO NetworkThe Blue PPO Silver Plans use the Blue Avantage Entrepreneur (BAE) PPO network, the largest PPO network in Illinois that includes over 90% of metro-area doctors and 98% of Illinois hospitals. Cost Savings OptionThe Blue Choice Silver Plans offer the identical plan benefits as the Blue PPO Silver Plans, but use the Blue Choice Network, a smaller version of the “standard” Blue Cross Blue Sheild of Illinois PPO network. If you can accept some reduced hospital and physician choice, the Blue Choice Silver Plans may be a great lower cost option for you. Key Blue PPO Silver® plan features include:
Silver® may be right for you if you are an individual or family who:
Compare the features, options and costs of Silver® plans to find the one that’s right for you. Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family. Blue PPO Silver Plan CostsHealth insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. Here is what you can expect with Silver® plans:
By using a contracting BCBS PPO hospital, doctor or specialist you are able to save on premiums and the cost of covered services. You do not need to select a primary care physician or obtain a referral to see a specialist. For more information on costs, get a quick quote or see the Blue PPO Silver 003 benefit summary or Blue PPO Silver 004 benefit summary. What’s Included with Blue PPO Silver Plans®
More Plan DetailsIt’s important to know the critical features of the health plan you are considering. Each plan’s Outline of Coverage provides brief descriptions of the basic provisions the Silver plans, as well as details on policy renewability, benefit exclusions and coverage limitations. Prescription Drug CoverageFor the Blue PPO Silver and Blue Choice Silver Plans, there is a prescription drug card benefit that includes a $0 or $10 copay for generic, $50 or $100 copay for formulary drugs, and a $150 copay for specialty medications. This benefit is immediately available and not subject to a deductible. There is a also a Home Delivery prescription benefit available with these 3 deductible options where you can receive a 90 day supply in the mail for the cost of a 60 day supply and is subject to a maximum cost of $300 per prescription.
Plan RenewalsYour BCBSIL policy can ONLY be terminated for the following reasons:
Add-ons and Plan OptionsYou can customize any Silver plan to add-on dental insurance. Optional Dental Coverage
Blue PPO Silver Plan 003Our Rating:
Blue PPO Silver Plan 004Our Rating:
What is a Silver plan?One of 4 categories of Health Insurance Marketplace ® plans (sometimes called “metal levels”). Silver plans fall about in the middle: You pay moderate monthly premiums and moderate costs when you need care.
What does Florida blue silver cover?Preventive and care medications, and immunizations that are covered at no additional cost when purchased at a participating pharmacy. Specific generic medications that treat an ongoing health condition such as diabetes, high blood pressure, high cholesterol or depression. These are often available at low or no cost.
What is out of pocket maximum?The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
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