| BC Life & Health PPO Saver (NM31)
Some counties have special rates by Zip code | |
| Lifetime Maximum | |
| Participating Provider | $5,000,000/member |
| Non-participating Provider | $5,000,000/member |
| Annual Out-of-Pocket Maximum (includes deductible) | |
| Participating Provider | $5,000/single (2-member maximum) Participating and non-participating combined1 |
| Non-participating Provider | $5,000/single (2-member maximum) Participating and non-participating combined1 |
| Annual Deductible | |
| Participating Provider | $500 hospital, $5,000 other covered services (2-member maximum) All covered benefits |
| Non-participating Provider | $500 hospital, $5,000 other covered services (2-member maximum) All covered benefits |
| Office Visits | |
| Participating Provider | Well-child, 50% of negotiated fee; 2-adult, 4-child office visits, $30 copay/visit (deductible waived) |
| Non-participating Provider | Well-child, 50% of negotiated fee (deductible waived); all other visits subject to deductible |
| Professional Services (other office visits, X-ray, lab, anesthesia, surgeon, etc.) | |
| Participating Provider | 20% of negotiated fee for hospital services only. All other covered services after out-of-pocket maximum is met, then covered at 100% of negotiated fee |
| Non-participating Provider | 50% of negotiated fee plus 100% of excess |
| Hospital Inpatient/Outpatient | |
| Participating Provider | 20% of negotiated fee2 |
| Non-participating Provider | All charges except: $650/day inpatient, $380/day outpatient |
| Hospice | |
| Participating Provider | $10,000 lifetime maximum, participating and non-participating providers combined |
| Non-participating Provider | $10,000 lifetime maximum, participating and non-participating providers combined |
| Emergency Services | |
| Participating Provider | 20% of negotiated fee3 after $500 deductible is met |
| Non-participating Provider | 20% of customary & reasonable for the first 48 hours plus 100% of excess; after 48 hours, you pay all charges except $650/day for covered services3 |
| Maternity (after deductible) | |
| Participating Provider | Not covered |
| Non-participating Provider | Not covered |
| Preventive Care | |
| Participating Provider | HealthyCheck Centers: $25 or $75 copay for basic screenings; routine mammogram, PSA and cancer screening, ordered by physician: 20% of negotiated fee (deductible waived) |
| Non-participating Provider | Routine mammogram, PSA and cancer screening, ordered by physician: 50% of negotiated fee plus 100% of excess |
| Ambulance | |
| Participating Provider | 20% of negotiated fee ($750/trip maximum paid by BC Life & Health Insurance Company) |
| Non-participating Provider | 50% of customary & reasonable plus 100% of excess |
| Physical and Occupational Therapy; Chiropractic Services | |
| Participating Provider | 20% of negotiated fee; limited to 12 visits/year, participating and non-participating combined |
| Non-participating Provider | All charges except $25/visit; limited to 12 visits/year, participating and non-participating combined |
| Acupuncture/Acupressure | |
| Participating Provider | All charges except $25/visit; limited to 24 visits/year, participating and non-participating combined |
| Non-participating Provider | All charges except $25/visit; limited to 24 visits/year, participating and non-participating combined |
| Drug Benefits (retail or mail order: 30-day supply) | |
| Participating Provider | $10 generic4; $30 brand copay plus $500 brand deductible5 (2 Member Maximum); 30% of negotiated fee for self-administered injectables except insulin Non-Formulary: Participating Provider: Generic4 50%; Brand 100% of negotiated Fee Rate for Br |
| Non-participating Provider | 50% of the drug limited-fee schedule plus 100% of excess; $500 brand deductible6 (2-member maximum) |
Monthly rates, subject to change / Click here to Apply Now
/ Call 1-800-655-9525 /
Tonik has been breaking records for Blue Cross of California new sales. This simple plan covers dental and vision, with only 3 deductibles to choose from. Very easy!