Individual Health Plans
Friday, July 3, 2015  
Types of Health Plans
Types of Health Coverage
Health Insurance Companies
Health Insurance Companies

Excellus BlueCross BlueShield of New York (Excellus BCBS of NY)

Living in central and upstate New York and looking for individual health insurance? Look no further. Excellus BlueCross BlueShield is the largest health insurance company in the state, committed to providing excellent service at an affordable price to the residents of your area. As of March 2011, Nearly 2 million people in the four regions of Rochester, Utica, Central Southern, and Central are already benefiting from the services offered by Excellus BCBS of New York.

We all recognize that health care costs are on the rise, making the need for health insurance even more critical. Searching for individual coverage can often mean you have a change in your life situation: graduation, retirement, new business, divorce, marriage. Whatever your reason for needing an individual health plan, Excellus BCBS understands and has a solution with a plan that you need and can afford.

Excellus BC/BS of New York Individual Health Plans

Blue Choice

Offers an HMO, Health Maintenance Organization, network of quality health providers and offers two plan options: the original Blue Choice Personal and the more flexible Blue Choice Personal Point of Service (POS). In the Blue Choice Personal HMO, you choose a primary care physician who oversees all of your medical needs and supplies referrals to specialists accordingly. The Blue Choice Personal Point of Service works the same way, but you do not need referrals to seek care from out-of-network providers. This allows you more freedom, but at higher costs.

Blue Choice Senior

Offered to those who are eligible for Medicare. It provides a participating network of health care providers for comprehensive coverage and low co-payments for routine and covered services.

Medicare Supplemental

Offered to those enrolled with Medicare Parts A and B and who are looking for additional benefits that coordinate with Medicare. There are seven levels of supplemental insurance from which to choose in order to target your level of need.

Medicare Blue Choice

Offers comprehensive coverage, over and beyond your Medicare, for those living in the seven New York counties. There are three plans within Medicare Blue Choice from which to choose: Optimum, Value, and Platinum.

Traditional Indemnity

A comprehensive health plan and offers total freedom of choice to seek care from any physician you want. When seeking care from within the Excellus network of providers, there is no need for claim forms.

Excellus BlueCross BlueShield of NY Low Income Health Plans

Blue Choice Option

An HMO/Health Maintenance Organization network of 9000 quality health providers for those with Medicaid. You choose a primary care physician who will manage all of your health care needs.

Child Health Plus

Administered by Excellus BCBS for infants to children of 19 years of age as a free or low cost comprehensive insurance plan.

Family Health Plus

An HMO for those 20 to 64 years old, who have incomes high enough to make them ineligible for Medicaid, but who could not afford health insurance otherwise.

Healthy New York

This is group insurance through a NY-sponsored program.


Comprehensive health insurance for those who qualify. It is offered as low cost health insurance for those who have been recently unemployed or who have low incomes and live in certain counties of New York.

ValuMed Plus

Comprehensive health insurance for those who qualify. It is offered as a low cost insurance plan to those whose jobs do not offer health benefits and who are not eligible for government programs. Only residents of certain counties of New York qualify.

Excellus BlueCross BlueShield Office Location

P.O. Box 22999
Rochester, NY 14692 is not associated with Medicare or the Center for Medicare and Medicaid Services. The Center for Medicare and Medicaid Services has neither reviewed nor endorses this information. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult

A Medicare Advantage plan is a health plan provided through a private insurer and delivering Medicare Part A and Part B benefits. A Part D Drug plan is a prescription drug plan provided through a private insurer and delivering Medicare Part D benefits. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. The sales agent that will be discussing plan options with you is either employed or contracted by an agency that sells Medicare plans, a Medicare health plan, or a Medicare prescription drug plan that is not the Federal government. Submitting our form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans.

Individual-Health-Plans is not a licensed insurer or agency. We provide free information about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Products and services may not be available in all states and no guarantees regarding same are made herein. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company.

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