BlueDirect for Small Groups

A consumer-directed plan with lower monthly premiums

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Consider this plan if

Your employees have access to an HSA to pay their medical expenses.

Coverage available for

Individuals
Families

Plan features

Preventive services are covered with no deductible or copay. Beyond that, BlueDirect members pay for health care costs on their own or from a health savings account. Once they meet their deductibles, insurance contributes a portion of the cost.

In addition to health care coverage, BlueDirect includes the HealthyBlue online wellness center with powerful tools for employees to use to manage their health and well-being.

Plan highlights

Employees manage day-to-day medical expenses in exchange for a lower premium
Eligible for use with a health savings account (HSA)
Opportunities to adjust employee contributions and cost-sharing amounts
Plans include HealthyBlue online wellness center, powered by WebMD

Amounts indicated are your share of the medical expenses.

Gold Plans

Silver Plan

Bronze Plan

BlueDirect 100 3000

BlueDirect 80 3000

BlueDirect 50 5500

Preventive Visits

HealthyBlue Online Wellness

Doctor Visits, Chiropractic Care, Physical, Speech and Occupational Therapy

Deductible applies

Deductible and coinsurance applies

Prescription Drugs

Preferred Generic: 0%*
Non-Preferred Generic: 0%
Preferred Brand: 0%
Non-Preferred Brand: 0%
Preferred Specialty: 0%
Non-Preferred Specialty: 0%*

Preferred Generic: 20%*
Non-Preferred Generic: 20%*
Preferred Brand: 20%*
Non-Preferred Brand: 20%*
Preferred Specialty: 30%*
Non-Preferred Specialty: 50%*

Preferred Generic: 50%*
Non-Preferred Generic: 50%*
Preferred Brand: 50%*
Non-Preferred Brand: 50%*
Preferred Specialty: 50%*
Non-Preferred Specialty: 50%*

Specialist Visit

Deductible applies

Deductible and coinsurance applies

Emergency Room Visit

Deductible applies

Deductible and coinsurance applies

Hospitalization

Deductible applies

Deductible and coinsurance applies

Deductible

Individual: $3,000
Family: $6,000

Individual: $5,500
Family: $11,000

Coinsurance

Not applicable

20% of total cost*

50% of total cost*

Out-of-pocket Maximums

Individual: $3,000
Family: $6,000

Individual: $7,000
Family: $14,000

(Compare up to 3 plans)

All cost sharing amounts apply to covered services you receive within the Preferred Blue PPO network. Covered services received out-of-network are paid at a lesser benefit or no benefit amount.
For a family plan, an individual on the plan must meet the individual deductible before coinsurance begins.
The BlueCare prescription drug coverage is considered creditable coverage.
*After deductible is met.

Additional information

2023 BlueDirect Brochure

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Fargo, N.D., 58121