Blue Access^®

Blue Access is a Preferred Provider Organization (PPO) health coverage product that can be tailored to meet your needs. There are three different product designs, each with serveral deductible levels to help you get the right combination of benefits & monthly premium. No matter where you are in life, there's a Blue Access plan that will fit your health care needs and budget.

Three Plan Options

• Blue Access Plan 1: may be the right choice if you're younger and are either going to college or self-employed.
• Blue Access Plan 2: has the lowest deductible and could be a good fit if you're single or married and working.
• Blue Access Plan 3: has the highest deductible options, this plan may be appropropriate if you're retiring early.

Choose your deductible

A deductible is the amount of out-of-pocket expenses that you have to pay each calendar year before your health plan starts paying. Usually, the higher a plan's deductible is, the lower the premiums are. With Blue Access, simply choose the plan that has the deductible/premium combination that works best for you.

Choose from 3 coinsurance levels

After you meet your plan's deductible, your coinsurance is the amount you have to pay for covered services. For example, if your plan pays 80% of a covered cost, your coinsurance is the remaining 20%.

Choose from 3 prescription drug coverage option

Whether you rarely fill a prescription or need ongoing maintenance medications, there's a Blue Access Plan with the right level o fprescription drug coverage to meet your needs. Options include:

• Affordable copays for brand-name medications
• Convenient prescription mail-order service
• Coverage for all generic drugs which can help you save even more