16 sep, 2020

2021 Product Updates

Small Group Updates

Our regional BlueCHiP family is expanding with the addition of Access Blue New England. The Access Blue New England product family includes three plans in the Small Group Standard Portfolio. This product is a high deductible health plan (HDHP) that can be paired with a health savings account (HSA). Access Blue New England does not require a referral, but it does require selection of a primary care provider (PCP).

Our 2021 Small Group Portfolio includes the following product families:

  • VantageBlue
  • BlueSolutions
  • Access Blue New England
  • Network Blue New England
  • Blue Choice New England
  • Network Blue New England Options

Deductible changes:

VantageBlue - $8,150/$16,300 deductible plan

  • Deductible changed to $8,550/$17,100

BlueSolutions - $6,750/$13,500 deductible plan

  • Deductible changed to $6,900/$13,800

Out-of-pocket value changes:

  • BlueSolutions - $1,500/$3,000 deductible, copay plan
    • Increased in-network OOP from $3,000/$6,000 to $4,000/$8,000
  • BlueSolutions - $1,900/$3,800 deductible plan
    • Increased in-network OOP from $2,700/$5,400 to $3,000/$6,000
  • BlueSolutions - $4,000/$8,000 deductible plan
    • Increased in-network OOP from $5,550/$11,100 to $6,650/$13,300
    • Decreased OON OOP from $16,650/$33,300 to $16,000/$32,000
  • BlueSolutions - $6,000/$12,000 deductible plan
    • Decreased in-network OOP from $6,650/$13,100 to $6,100/$12,200
  • Network Blue NE - $1,000/$2,000 deductible, 100/Not Covered plan
    • Decreased in-network OOP from $3,000/$6,000 to $2,500/$5,000
  • Blue Choice NE - $1,000/$2,000 deductible, 100/80 plan
    • Decreased in-network OOP from $3,000/$6,000 to $2,500/$5,000

Copay changes

  • Effective upon a client’s 2021 renewal, the diagnostic lab/x-ray copays will be increased for certain VantageBlue plans. All of these plans’ lab/x-ray copays will increase from $25/$75 to $50/$100. Here are the impacted plans:
    • VantageBlue - $1,000/$2,000 deductible, 80/60 plan
    • VantageBlue - $2,000/$4,000 deductible, 80/60 plan
    • VantageBlue - $3,000/$6,000 deductible, 80/60 plan
    • VantageBlue - $2,000/$4,000, 70/50 plan
  • In addition, select BlueSolutions plans will now have a new Rx string: $10/$45/$70/$90/$125. Here are the impacted plans:
    • BlueSolutions - $1,500/$3,000 deductible, copay plan
    • BlueSolutions - $1,500/$3,000 deductible, coinsurance plan
    • BlueSolutions - $1,900/$3,800 deductible plan
    • BlueSolutions - $3,400/$6,800 deductible plan
    • BlueSolutions - $4,000/$8,000 deductible plan

The following plans will be added to the Small Group Portfolio:

  • Access Blue NE - $1,900/$3,800 deductible
  • Access Blue NE - $3,400/$6,800 deductible
  • Access Blue NE - $6,900/$13,800 deductible
  • BlueSolutions - $2,500/$5,000 deductible

Large Group Updates

In Large Group, we will also be launching a new product family: Blue High Performance Network (Blue HPN). This is a new, narrow network product that will be available in the Large Group market, effective 20 de enero21. This product takes providers from the top 55 U.S. markets and combines them to create a network of high-performing providers. By choosing a network of high-quality, high-performing providers, members will see a savings in their claims expenses.

Our 2021 Large Group Portfolio includes the following product families:

  • HealthMate Coast-to-Coast
  • BlueSolutions
  • VantageBlue
  • Access Blue New England
  • Blue Choice New England
  • Network Blue New England
  • Network Blue New England Options
  • Blue HPN – new effective 1/1/21

2021 Large Group Product Family and Plan Removals

The following plans will be dropped due to a lack of enrollment:

  • Network Blue NE 15 – 80/NC, $2,000 deductible
  • Network Blue NE 19 – 80/NC, $5,000 deductible
  • Blue Choice NE 3 – 100/80, $1,500 deductible
  • Blue Choice NE 17 – 80/60, $3,000 deductible
  • Blue Choice NE 19 – 80/60, $5,000 deductible
  • HMC2C Coin 56 – 80/60, $2,000 deductible
  • HMC2C Ded – 100/80, $5,000 deductible
  • BlueSolutions Plan 83 – 100/60, $1,500 deductible
  • BlueSolutions Plan 79 – 100/60, $6,000 deductible

BlueSolutions

  • Upon renewal, all PT/OT/ST visit limits will be removed for standard portfolio Blue Solutions plans.

2021 Policy Updates

Qualified Integrated Behavioral Health Primary Care Practice

  • Effective upon their 2021 renewal, all BCBSRI-insured plans will waive copays for certain behavioral health services provided to a member on the same day and at the same location as a PCP visit to a Qualified Integrated Behavioral Health Primary Care Practice.
  • Effective upon their 2021 renewal, all BCBSRI self-funded plans will also provide coverage to be consistent with our commercial plans, unless they opt-out of making this change.
  • This will allow members to see behavioral health providers during their PCP visits without paying a second copay and will reduce barriers for members seeking the appropriate care.

Dental – Total Health Solutions

  • Effective upon their 2021 renewal, all commercial BCBSRI plans will be providing 100% coverage for deep cleaning services (non-surgical periodontal maintenance) for members with diabetes and/or Coronary Artery Disease (CAD).
  • Members who have both medical and dental insurance with BCBSRI will be enrolled automatically. Dental-only members will have the ability to self-identify the diagnosis.
  • This change will not only encourage healthier dental habits but also remove any barriers for diabetic/CAD members in need of this service.
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