Individual and Family Plans

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What Plan is Right for You



Blue Cross is a not-for-profit health insurance company committed to offering coverage to fit your needs. We offer health insurance plans for individuals and families. Each plan features a range of payment and deductible options designed to fit your lifestyle and your budget.

Basic Budget-Conscious Plans

Our basic plans offer affordable premium payments with essential coverage and benefits. So, you pay a lower monthly premium in exchange for paying a portion of other healthcare costs. Sometimes called catastrophic coverage (coverage for "big ticket" items like hospital stays and surgery), these plans provide inpatient hospital coverage with drug coverage options.

Basic coverage for large, unplanned medical expenses, plus annual preventive screening benefits. Value-added services include a discount drug program and dental and wellness discounts.
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Basic coverage for large, unplanned medical expenses plus prescription drugs and annual preventive screening benefits.  Services include prescription drug and wellness benefits.  Value-added services include a discount drug program and dental and wellness discounts.
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High-Deductible Plans

Health Savings Account (HSA) Compatible Plans*

High-deductible health plans offer reliable coverage and affordable monthly premium payments. (You pay for services out-of-pocket until a deductible level is met. The health plan then pays a majority percentage of health costs. This typically results in lower premiums.) These plans are compatible with health savings accounts (HSAs), allowing you to take advantage of tax-favored health savings account benefits.

A high-deductible plan with sound, affordable coverage, BlueSaver is compatible with a health savings account (HSA). Value-added services include dental and wellness discounts.
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Comprehensive Copay Plans

These plans charge a fixed dollar amount — called a copayment — for each use of services, such as physician office visits, or for each purchase, such as prescription drugs.

Our series of point-of-service (POS)** plans feature low out-of-pocket costs. This plan works like an HMO plan, but with a unique advantage: the ability to choose providers outside the network and still receive reduced or limited benefits. Value-added services include dental and wellness discounts.
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Premier Comprehensive Plans

Our premier, comprehensive plans provide you the most robust coverage we offer.

Our most comprehensive individual major medical plan that helps pay for covered everyday expenses and hospitalization. Dental and wellness discounts are offered as a value-added service.
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Supplemental Coverage

These plans provide you with additional protection to supplement your medical coverage.


Variable Income Plan (VIP) supplements your regular healthcare coverage by paying you dollars per day for covered hospital stays.
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Our cancer and serious disease plans offer two options to fit your coverage needs and budget.
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