BlueDirect Health Insurance Plan | BCBSND

Affordable high-deductible plan you can use with an HSA

Consider this plan if:

You are comfortable managing your own health care expenses before your insurance coverage begins. To pay your expenses, you can put money aside in a tax-protected HSA, which you set up separately.

Coverage available for:

Individual
Families

Plan features

Qualified high deductible health plans (HDHP) give you more control over how, where and when you spend your health care dollars
A combination of cost sharing options gives you ways to control premium costs
Wellness rewards to keep you healthy
Covers the 10 essential health benefits

Plan highlights

Can be used with a health savings account (HSA)
Free preventive visits
Extensive provider network
HealthyBlue online wellness center and rewards for managing your health

	Gold Plan	Silver Plans		Bronze Plans
	BlueDirect 90 2500	BlueDirect 80 3000	BlueDirect 80 2800	BlueDirect 100 6900
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 gold family plan, the entire family deductible must be met before coinsurance begins. The deductible can be met by on family member or all members. For a silver or bronze family plan, an individual on the plan must meet the individual deductible before coinsurance begins.
Preventive Visits	$0	$0	$0	$0
HealthyBlue Online Wellness	$0	$0	$0	$0
Doctor Visits	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible applies
Chiropractic Care, Physical, Speech and Occupational Therapy	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible applies
Prescription Drugs	Preventive Drug: $5 Generics: Deductible and coinsurance apply Preferred Brand: Deductible and coinsurance apply Non-Preferred Brand: Deductible and coinsurance apply Specialty: Deductible and coinsurance apply	Preventive Drug: $5 Generics: Deductible and coinsurance apply Preferred Brand: Deductible and coinsurance apply Non-Preferred Brand: Deductible and coinsurance apply Specialty: Deductible and coinsurance apply	Preventive Drug: $5 Generics: Deductible and coinsurance apply Preferred Brand: Deductible and coinsurance apply Non-Preferred Brand: Deductible and coinsurance apply Specialty: Deductible and coinsurance apply	Preventive Drug: $5 Generics: Deductible and coinsurance apply Preferred Brand: Deductible and coinsurance apply Non-Preferred Brand: Deductible applies Specialty: Deductible applies
Emergency Room Visit	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible applies
Hospitalization	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible and coinsurance apply	Deductible applies
Deductible	Individual: $2,500 Family: $5,000	Individual: $3,000 Family: $6,000	Individual: $2,800 Family: $5,600	Individual: $6,900 Family: $13,800
Coinsurance	10% of total cost	20% of total cost	20% of total cost	0% of total cost
Out-of-Pocket Maximums	Individual: $4,000 Family: $8,000	Individual: $6,900 Family: $13,800	Individual: $6,900 Family: $13,800	Individual: $6,900 Family: $13,800

Additional information:

BlueDirect Brochure

Summary of Benefits and Coverage and Certificate of Insurance

Questions? Talk to an Agent

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Fargo (Headquarters)
4510 13th Ave. S.
Fargo, North Dakota 58121

Blue Cross Blue Shield of North Dakota is an independent licensee of the Blue Cross Blue Shield Association, serving residents and business in North Dakota. All rights reserved

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