When comparing Blue Cross health insurance plans, consider benefit option rates, physician care, hospital and facility care, prescription drug coverage and emergency care, reports the company's official website. Different care options have various costs which can be in the form of immediate out-of-pocket expenses or monthly premiums.
Benefit options offer preferred providers within the network through the basic option, reports the Blue Cross Blue Shield website. The standard options offer the ability to see providers outside of the network. The standard option comes with a calendar year deductible, while the basic option does not. Rates vary for individual and family coverage, with premiums offered bi-weekly and monthly.
Physician care relates to outpatient consultations and office visits, states the Blue Cross Blue Shield website. Choose the physician care that offers sufficient routine exams and an affordable copayment. Hospital care relates to hospital inpatient and outpatient or facility care. Prescription drug coverage has different tier levels for different pharmacy program, so it is important to choose the plan that offers the appropriate supply. Finally, be sure to understand the type of emergency coverage available through the Blue Cross Blue Shield website. Emergency coverage has benefits related to accidental injuries, medical emergencies and urgent care.