Blue Cross and Blue Shield of Massachusetts (BCBSMA)
If you are a Massachusetts resident who is looking for help with individual health insurance – you have come to the right place. Blue Cross and Blue Shield of Massachusetts provides its customers with quality health plans. It is especially committed to helping individuals in securing the right type of insurance to fit their circumstances.
There are many reasons for needing individual type health insurance, because each person comes with a unique life situation. It can be a job that does not offer health coverage, a new business of your own, a new marriage or divorce which changes your needs as well as a number of other reasons. BCBSMA can take care of whatever you want in terms of individual health insurance. And, with the costs of health care continuing to climb, it is important for your security and future.
BC/BS of MA Individual Health Plans
HMO Blue™Direct
Provides you with a choice of primary care physician (PCP) who will direct your medical needs, its broad network of health care providers, and a comprehensive benefits package.
HMO Basic Blue Direct
Offers a lower yearly cost because of higher co-payments and no drug coverage. You still pick a primary care physician (PCP) who coordinates your care and you have discounted prescriptions through Express Scripts, Inc.
PPO Blue Direct
Provides the BCBSMA Preferred Provider Organization network, consisting of most of the best doctors and hospitals in the state. You will pay the lowest coinsurance costs by using this network.
PPO Basic Blue Direct
Offers two choices in deductibles and comes with a lower annual premium. After paying the deductible, you have no coinsurance for many covered expenses if you use the PPO network of providers. There is no prescription drug coverage, but discounted prescriptions come from Express Scripts, Inc. participating drug stores.
Health Savings Accounts (HSAs)
These plans from Blue Cross of MA combine with one of the PPO Basic Blue Direct plans with their high deductibles. You open an HSA and use the pre-taxed money to pay for the deductible. Because the PPO plan is in lower cost, you save in two ways.
Blue Health Plan for Kids
The only health plan of this kind in Massachusetts and provides for the specific needs of children, including immunizations. It is a comprehensive health plan with low co-payments and low coinsurance for the BBCBS MA providers.
Medex Core
A low cost supplemental to Medicare Parts A and B, not covering Medicare deductibles and prescriptions.
Medex Bronze
A Medicare supplemental plan for Medicare Parts A and B with no prescription coverage.
Medex Gold
A Medicare supplemental plan for Medicare Parts A and B with a very small quarterly deductible for prescription drugs.
HMO plans are offered through a subsidiary called Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.
BCBS of MA Office Location
Landmark Center
401 Park Drive
Boston, MA 02215-3326
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