The Affordable Care Act (ACA) requires almost everyone to have health insurance. We're here to make it easy for you to choose the plan that's right for you and your family. In addition to member perks that go above and beyond typical health plan benefits, 2018 BlueEssentials plans offer:
- Up to $500 for services not covered under your standard preventive doctor visits through our Wellness Plus+SM benefit
- Dental and vision coverage
- 24/7 access to board-certified physicians through the convenience of video consults
- Free preventive screenings
Gold, Silver and Bronze plans are available for individuals and families. All plans cover the same essential health benefits, but the costs you're responsible for will vary based on the metallic level.
Gold PlansGold plans have the highest monthly premiums, but provide the best coverage and lower your out-of-pocket costs for care. This is important for those who visit the doctor often or take many prescription medications.
View Gold Plans
Silver PlansSilver plans balance monthly premiums with out-of-pocket costs for care. This is our most popular metallic level. Silver plans are well-rounded and provide the best value for those who are eligible for cost-sharing reductions.
View Silver Plans
Bronze PlansBronze plans offer the lowest monthly premiums, but you will pay more out of pocket when you need care. These plans are best for those who don't go to the doctor often or take many prescription medications.
View Bronze Plans
Adults under age 30 and people who can't afford metallic coverage may be eligible to purchase our Catastrophic plan. This plan has a low monthly premium and a high deductible, so you pay less each month but more when you actually receive care. Those over age 30 may be eligible to purchase the Catastrophic plan if they qualify for a hardship exemption through the Federally Facilitated Marketplace.
For more information, view the complete 2018 product brochure.
Dollars and Cents
The ACA makes it possible for you to receive financial assistance toward your health plan. Most South Carolinians who apply for federal assistance will receive it. There are two different types of financial assistance:
- Subsidies. This kind of assistance, sometimes called an Advanced Premium Tax Credit (APTC), is directly applied to your premium to reduce the monthly cost of your insurance plan.
- Cost-Sharing Reductions (CSR). A CSR is a discount that applies to the Silver plan of your choice. It reduces the amount you pay in deductibles, copayments or coinsurance. Essentially, you pay less out of pocket for a Silver plan with better overall benefits.
The federal government has the final say over who qualifies for financial assistance and who doesn't, but we can help you determine if you're likely to be eligible. Enter your information to see if you could qualify.
New Silver Plans
We've added new Silver plans for 2018. These plans are only available if you are shopping without a subsidy and can save you up to 20 percent on your premium! View the new plans.
The Value of Blue
Not every insurance provider is the same. There's value in being Blue. Enjoy the recognition, strength, stability and health care experience that only comes when you carry a Blue card!
As a BlueEssentials member, you'll enjoy convenient, reduced-cost pharmacy benefits and exclusive discounts on holistic health services, healthy eating programs and even gym memberships ... all at no extra cost to you! We enjoy seeing our members healthy and happy. Learn more about our value-added benefits.