You Should Know:
- Maternity benefits are not available with this plan
- After the first three Doctors' Office Visits, all other visits apply towards your deductible
- Generic and select brand name drigs are also available before the deductible. with a copayment or coninsurance
How to Customize your SmartSense Plan
With SmartSense Plus, you have some choice and flexibility to change the plan to better meet your needs. SmartSense Plus offers a choice of:
Deductible: You can usually lower your premium by choosing a higher deductible. Simply choose the deductible and premium combination that works best for you.
Upgrade Drug Coverage: By choosing the Upgrade Drug Coverage option (for an additional cost) you can lower your prescrition drug deductible to $500, instead of the $7,500 prescription drug deductible (for Tier 2, 3 and Specialty) included in the standard drug coverage.
Preventive Care Benefits
Now all of the Individual Plans from Anthem Blue Cross Blue Shield of Virginia include 100% coverage for Preventive Services when you utilize a network provider. This follows the health care reform law and state regulations. When you get these services from providers in the network, you don't have to worry about paying anything out of your pocket for covered preventive care such as screenings, immunizations and exams. You may have to pay part of the costs if you use a provider outside the network.
Preventive versus Diagnostic Care
Preventive care is precautionary. Diagnostic care us used to find the cause of existing symptoms. For example, if your doctor suggest you have a colonoscopy because of your age, that's preventitive care. But, if you doctor suggests a colonoscopy to see what's causing your symptoms. that's diagnostic care and you may need to pay part of the cost. Click on the brochure to see full coverage details for preventive care
Other Optional Coverage: You can add more protection for you and your family by purchasing optional dental or life insurance. The Anthem Blue Dental PPO plan includes coverage for the basics, plus certain services like crowns, root canals and dentures. If you need a dental plan that offers important preventive services and a broad range of benefits, Blue Dental PPO could be the right plan for you. Apply for Blue Dental PPO as a stand alone plan or add it to your medical at the time of application.
Add term life insurance
Losing a loved one is hard enough without having to worry about financial obligations. Families are often unprepared for this sudden loss, and term life insurance can provide financial support and peace of mind at a difficult time. Adding term life insurance to your SmartSense PPO Plan is inexpensive and is easy to apply for. No additional forms are required to enroll. Just select the life option when you complete your online application.