A strong bond with members and a stable relationship with providers are just two ways Mountain State Blue Cross Blue Shield of West Virginia has cemented its relationship with the state. From 1932 till today, the organization has come up with new ways and means to keep pace with changing health demands amongst the residents of West Virginia. It has managed to keep its founding principle intact that the maximum number of people should have access to quality healthcare at a price they can afford. Thus, today, the company’s member base is varied and ranges from individuals to families and employer groups of privately owned organizations to Government employees.
Individuals and families can choose from amongst the One on One plan, the Limited Benefit plan and a range of plans where members have to pay higher deductibles. The One on One plan or the Super Blue Plus plan is a Preferred Provider Organization (PPO). It is an affordable plan because the organization negotiates rates with the various providers on offer so members can enjoy maximum benefits at minimum cost. If you want to be a member of this particular plan, you have the flexibility to choose from amongst five available deductible options of $250, $500, $1000, $2500 and $5000. Along with emergency care and accident benefits, members get to avail the Blue Card PPO program that allows them to access Blue Cross Blue Shield providers even when they’re outside the state.
The Limited Benefit plan is a coverage choice specifically created for people who would not be able to afford the cost of a regular health insurance plan. In this plan, one needs to pay a yearly deductible of as low as $250. Also, the premium to be paid per month is also kept low. The High Deductible plan range has two plans with two deductible choices each. These plans are integrated with a Health Savings Account (HSA) that can be used towards the payment of covered medical expenses.
West Virginians above 65 can make use of the four available Medicare Supplement plans. Amongst plans A,C,F and I, plan A scores in terms of affordability but the others offer a greater number of benefits. The criteria for eligibility of these plans are age (must be above 65), should be enrolled for both Medicare Part A and Part B and must be either self employed, unemployed or employed with an organization that doesn’t offer group coverage.
Employer group plans are categorized according to the number of employees. While there is a set of plans meant for companies with 2 to 50 employees, there is another range of plans for groups of 51 to 249 employees. Group coverage for 250 employees or more is also available. Mountain State Blue Cross Blue Shield of West Virginia also has plans for federal employees.