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Blue Cross Blue Shield of Massachusetts (BCBS MA)

Blue Cross Blue Shield of Massachusetts
Landmark Center
401 Park Drive
Boston, MA 02215-3326

Blue Cross Blue Shield of Massachusetts is an independent licensee of the Blue Cross Blue Shield line of products. Blue Cross Blue Shield Massachusetts' stated goal is to make sure every citizen of the state has health insurance. At 3 million members (2010 figures), BCBS MA is the largest provider in the state. They were recently given a rating of "Excellent" by National Committee for Quality Assurance (NCQA), an independent entity that reviews health insurance providers.

Health Insurance Options from Blue Cross Blue Shield of Massachusetts (MA)

Blue Cross Blue Shield of Massachusetts offers two basic strategies for covering your family's health. You can purchase plans which cover your entire family, or cover your kids individually. Blue Direct Plans offer full coverage for your whole family with a variety of benefit and payment options. The Blue Health Plan for Kids allows you to cover your kids individually at a lower cost than covering an adult. Here are some details of some of those plans:

* HMO Blue Direct - This plan assigns you to a primary care physician to coordinate your health care. Coverage for most benefits is full after a predetermined copay, usually between $25 and $50. Benefits include doctor visits, emergency, diagnostic services and skilled nursing facility services. Copays for prescription drugs are low and differ depending on the type of drug - generic or prescription.

* PPO Blue Direct - Benefits on this plan are similar to HMO Blue Direct, but with the freedom to choose any doctor within their provider network. This plan relies on coinsurance payments, as opposed to copays, in assessing fees to the customer. These coinsurance costs are usually 10%, payable at the time of the visit.

* Blue Health Plan for Kids - This plan is similar to an HMO, assigning your child to a primary care physician (PCP) to coordinate his or her health. Regular visits to your PCP are covered, along with emergency, diagnostic services and prescription drugs.

Other Plan Details

With all of these plans, there are also basic options, with reduced benefits for reduced premiums. In many cases, deductibles can also be varied to lower monthly payments, and some plans are even designed to be used in conjunction with a health savings account (HSA).

Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. The above summary does not suggest any authorization or license to sell or offer insurance products. We cannot make any guarantee regarding the carrier affiliation of any broker, agent or company that may provide quotes for you. Coverage and policies described on this site may not be available in all states, and no guarantees regarding same are made herein.