Silver plans provide important benefits, and the monthly premium will cost less than Gold plans. Our health plan advisors can help you decide which metal – bronze, silver, gold or platinum – is the best fit for you; or if you’d be better off with a catastrophic plan. On average, throughout the year, Blue Cross and Blue Shield of Alabama pays 70 percent of your covered healthcare benefits and you pay the remaining 30 percent. 2019 Prescription Drug Changes for Individual or Employer-Offered “Metallic” Plans . Most health insurance plans offered in Michigan will fall into one of four categories called metal tiers. … In addition to member perks that go above and beyond typical health plan benefits, Individual and Family plans offer up to $150 in rewards for completing wellness activities through Blue Rewards SM. FYI Metal categories are based on how you and your plan split the costs of your health care. Advanced Premium Tax Credits (APTC) and Cost Sharing Reductions are only available when plans are purchased through the Health Insurance Marketplace. Plans and coverage options vary by state. Our Individual and Family plans are affordable options that provide coverage for an entire calendar year. You can choose what plan works best for you from a variety of health coverage options for individuals and families. All Blue Cross NC individual ACA plans may be purchased through the Health Insurance Marketplace as a Qualified Health Plan (QHP) or through other sources, such as directly from Blue Cross NC. Metallic Level Plans. ... Blue Cross Blue Shield Premier 2: BCBS Premier 1, a Multi-State Plan - Base Plan - ($1000/$2750) All of our plans are available for both groups and individuals, unless otherwise noted. Plans in the Marketplace are presented in 4 “metal” categories: Bronze, Silver, Gold, and Platinum. You'll find a variety of plans offered across the tiers, all covering essential health benefits (EHBs): SHOP - Each level shows much you'll pay into the total cost of your employee's coverage. Our plans include preventive care, such as screenings and flu shots, for low or even $0 copays when you visit providers in your plan network. Gold health insurance plans from Blue Cross and Blue Shield of Illinois deliver outstanding coverage and service. Shop Plans. BCBSIL is the leader in Gold health insurance plans in Illinois. Metal Level What the Health Plan Pays What You Pay; Bronze: 60%: 40%: Silver: 70%: 30%: Gold: 80%: 20%: ... BLUE CROSS®, BLUE SHIELD® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. ( “Catastrophic” plans are also available to some people.) Choose Your Health Plan. Learn about health insurance plans. Marketplace health plans will fall into one of four metallic levels. If you have a Blue Cross and Blue Shield of Texas (BCBSTX) "metallic" health plan now, changes to your 2019 pharmacy benefit program may start on January 1, 2019.You might see these changes if you bought your health plan on your own or get health coverage through your job. If you have a Blue Cross and Blue Shield of Illinois (BCBSIL) "metallic" health plan now, either purchased on your own or provided through your employer, you may see some 2018 pharmacy benefit changes. Every health insurance plan, regardless of metal level, provides the same essential health benefits. Thank you for your interest in Blue Cross Blue Shield of Massachusetts. With Silver plans, your employees pay a little more out of pocket for medical services. If you are looking for temporary plan to bridge a gap in coverage, consider a short-term health plan. 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