BlueCHiP Direct 2300/4600 WPDAcu Plan Details for 2020- HealthPocket

BlueCHiP Direct 2300/4600 WPDAcu

$416.36/mo

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Zip Code02909
Applicant4/1/1985 Male
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Benefits & Coverage

Insurance TypeACA (Obamacare)
Plan NameBlueCHiP Direct 2300/4600 WPDAcu
Plan IDhhs-15287RI1210002
Plan Year2020
Insurance ProviderBlue Cross Blue Shield of Rhode Island
Metal LevelGold
Plan TypePOS
Deductible$2,300
Out-of-Pocket Maximum$3,900
Plan Highlights

Costs for Medical Care

Primary Care Visit to Treat an Injury or Illness$15 Copay
Specialist Visit$45 Copay
Laboratory Outpatient and Professional Services10.00% Coinsurance after deductible
X-rays and Diagnostic Imaging10.00% Coinsurance after deductible
Diagnostic Imaging such as MRIs, CT, and PET scans10.00% Coinsurance after deductible
Deductible - Family$4600 per group
Out-of-Pocket Maximum - Family$7800 per group

Prescription drug coverage

Generic Drugs$25 Copay
Preferred Brand Drugs$50 Copay after deductible
Non-Preferred Brand Drugs$75 Copay after deductible
Specialty Drugs$125 Copay after deductible

Access to doctors and hospitals

Provider directory URLhttps://www.bcbsri.com/finddoctor
Does this plan have access to a national provider network?No
Is a referral required to see a Specialist?Yes - All specialty services require a referral from your PCP with the exception of the following services: Behavioral Health Services; Chiropractic Medicine Services; Early Intervention Services; Emergency Care (Emergency Room Services, Ambulance Services, and free-standing Emergency Medical Centers); Hair Prosthetics (Wigs); Hearing Aids; Obstetricians and Gynecologists; Oncologists - Office Visits (consultation or second opinion; all other services require a referral); Optometrists; Oral Surgery; Pediatric Dental Services; Pediatric Vision Services; Retail Clinics; and Telemedicine services (rendered by a designated provider).
Does this plan cover services outside plan service area?No - Coverage for urgent or emergent care only.
Does this plan cover services outside the country?No - Coverage for urgent or emergent care only.

Hospital services

Emergency Room Services10.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)10.00% Coinsurance after deductible
Inpatient Physician and Surgical Services10.00% Coinsurance after deductible
Emergency Transportation or Ambulance Service$50 Copay

Maternity

Prenatal and Postnatal Care10.00% Coinsurance after deductible
Delivery and all inpatient services for maternity care10.00% Coinsurance after deductible

Mental Health

Mental/Behavioral Health Outpatient Services$35 Copay
Mental/Behavioral Health Inpatient Services10.00% Coinsurance after deductible
Substance use disorder outpatient services$35 Copay
Substance use disorder inpatient services10.00% Coinsurance after deductible

Medical Management Programs

Does this plan offer disease managment programs?Asthma, Diabetes, High Blood Pressure & High Cholesterol
Does this plan offer a wellness program?Not Covered

Vision Coverage

Routine Eye Exam for ChildrenIncluded
Eye Glasses for ChildrenIncluded
Routine Eye Exam for AdultsIncluded

Child Dental Coverage

Child Dental Coverage - Routine Dental CareIncluded
Child Dental Coverage - Basic Dental CareIncluded
Child Dental Coverage - OrthodontiaIncluded
Child Dental Coverage - Major Dental CareIncluded

Adult Dental Coverage

Adult Dental Coverage - Routine Dental CareNot Covered
Adult Dental Coverage - Basic Dental CareNot Covered
Adult Dental Coverage - OrthodontiaNot Covered
Adult Dental Coverage - Major Dental CareNot Covered

Exclusions and Limitations

More Included BenefitsOther Practitioner Office Visit (Nurse, Physician Assistant)
Skilled Nursing Facility
Bariatric Surgery
Hearing Aids
Private-Duty Nursing
Imaging (CT/PET Scans, MRIs)
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
Outpatient Surgery Physician/Surgical Services
Urgent Care Centers or Facilities
Inpatient Physician and Surgical Services
Home Health Care Services
Outpatient Rehabilitation Services
Habilitation Services
Durable Medical Equipment
Hospice Services
Routine Foot Care
Abortion for Which Public Funding is Prohibited
Accidental Dental
Allergy Testing
Chemotherapy
Diabetes Education
Dialysis
Infusion Therapy
Laboratory Outpatient and Professional Services
Nutritional Counseling
Prosthetic Devices
Radiation
Reconstructive Surgery
Rehabilitative Occupational and Rehabilitative Physical Therapy
Rehabilitative Speech Therapy
Transplant
Well Baby Visits and Care
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
More Limited BenefitsPreventive Care/Screening/Immunization
Acupuncture
Infertility Treatment
Dental Check-Up for Children
Chiropractic Care
More Excluded BenefitsCosmetic Surgery
Long-Term/Custodial Nursing Home Care
Weight Loss Programs
Treatment for Temporomandibular Joint Disorders
PremiumPlan NameDeductible
from $415
BlueCHiP Direct 2300/4600 WOPD
$2,300.00Select
from $415
BlueCHiP Direct 2300/4600 WOPDAcu
$2,300.00Select
from $416
BlueCHiP Direct 2300/4600 WPD
$2,300.00Select
from $441
BasicBlue Direct WOPD 2300/4600
$2,300.00Select
from $442
BasicBlue Direct 2300/4600 WOPDAcu
$2,300.00Select
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  • Phone Number
    (401) 444-0540
  • Office Locations
    100 Curtis St
    Providence, RI 02909
100 Curtis St Providence RI, 02909
  • What is the Gold Plan?

    ObamaCare’s Gold Plan is a type of Metal Plan on the Health Insurance Marketplace. Gold Plans qualify for Tax Credits, have high premiums, and good cost sharing. Gold plans mean higher premiums, less Tax Credits, but much better cost sharing on average than Silver or Bronze.

  • How are Gold Plans different than other Obamacare health plans?

    The fundamental difference among the new Obamacare health plans is the percentage of covered medical costs paid by the health plan. The Gold Plan typically pays 80% of covered medical costs.

  • How much does a Gold Plan cost?

    The monthly premium for a Gold Plan depends on the insurer from whom you purchase the plan, the number of people to be insured by the plan, your age, whether you smoke, and your geographic region. You can use HealthPocket’s comparison tool to compare Gold Plan premiums in your area.

  • When Can I Enroll in a Gold Plan?

    The Open Enrollment period for the 2018 Affordable Care Act health plans begins November 1, 2017 and ends December 15, 2017. See our Open Enrollment article for more information.

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HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, or an individual and family health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. HealthPocket, Inc. is part of the Health Insurance Innovations, Inc. family of companies (NASDAQ: HIIQ).