2019 BlueDirect 90 Gold Plan Details - HealthPocket

BlueDirect 90 Gold

$396.30/mo

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Zip Code58103
Applicant11/16/1983 Male
Coverage Start11/20/2018
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Benefits & Coverage

Insurance TypeACA (Obamacare)
Plan NameBlueDirect 90 Gold
Plan IDqhp-37160ND2410022
Plan Year2019
Insurance ProviderBlue Cross Blue Shield of North Dakota
Metal LevelGold
Plan TypePPO
Deductible$2,000
Out-of-Pocket Maximum$3,950
Plan Highlights

Costs for Medical Care

Primary Care Visit to Treat an Injury or Illness10% Coinsurance after deductible
Specialist Visit10% Coinsurance after deductible
Laboratory Outpatient and Professional Services10.00% Coinsurance after deductible
X-rays and Diagnostic Imaging10.00% Coinsurance after deductible
Deductible - Family$4000
Out-of-Pocket Maximum - Family$7900

Prescription drug coverage

Generic Drugs10% Coinsurance after deductible
Preferred Brand Drugs10% Coinsurance after deductible
Non-Preferred Brand Drugs10% Coinsurance after deductible
Specialty Drugs10% Coinsurance after deductible

Access to doctors and hospitals

Provider directory URLComing Soon

Hospital services

Emergency Room Services10% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)10% Coinsurance after deductible
Inpatient Physician and Surgical Services10% Coinsurance after deductible

Maternity

Prenatal and Postnatal Care10.00% Coinsurance after deductible

Mental Health

Mental/Behavioral Health Outpatient Services10.00% Coinsurance after deductible
Mental/Behavioral Health Inpatient Services10.00% Coinsurance after deductible

Vision Coverage

Routine Eye Exam for Children10.00% Coinsurance after deductible
Eye Glasses for Children10.00% Coinsurance after deductible

Exclusions and Limitations

More Included BenefitsUrgent Care Centers or Facilities
Radiation
Diabetes Education
Habilitation Services
Chiropractic Care
Durable Medical Equipment
Hearing Aids
Imaging (CT/PET Scans, MRIs)
Preventive Care/Screening/Immunization
Other Practitioner Office Visit (Nurse, Physician Assistant)
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
Outpatient Surgery Physician/Surgical Services
Hospice Services
Well Baby Visits and Care
Home Health Care Services
Inpatient Physician and Surgical Services
Bariatric Surgery
Skilled Nursing Facility
Rehabilitative Occupational and Rehabilitative Physical Therapy
Outpatient Rehabilitation Services
Routine Foot Care
Dental Check-Up for Children
Rehabilitative Speech Therapy
Transplant
Accidental Dental
Dialysis
Allergy Testing
Chemotherapy
Prosthetic Devices
Infusion Therapy
Treatment for Temporomandibular Joint Disorders
Nutritional Counseling
Reconstructive Surgery
More Excluded BenefitsAcupuncture
Weight Loss Programs
Infertility Treatment
Long-Term/Custodial Nursing Home Care
Private-Duty Nursing
Cosmetic Surgery
Abortion for Which Public Funding is Prohibited
  • 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.

Read More

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual 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.

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HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual 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.