Anthem BCBS Virginia Health Insurance – Senior Medicare And Private Plans

Anthem Blue Cross and Blue Shield (HealthKeepers) health insurance rates in Virginia are extremely affordable. The combination of low prices and available federal subsidies allow Va residents under age 65 to purchase quality 2024 healthcare plans, either on or off the Exchange. Individual, family and small business BCBS coverage provides quality benefits at a very low cost. Senior Medicare Supplement and Advantage (MA) plans are also offered to applicants that have reached age 65. Plan D prescription drug plans can be customized to match your budget, formulary drug, and RX needs.
 

Our website provides free online Virginia BCBS quotes, and helps you compare and enroll for the best offered policies. If you apply for coverage, there are no medical questions to answer, and your pre-existing conditions are covered. You also can not be denied because of any past or present conditions, and there is no waiting period, or increase in the copay, coinsurance or deductible. 10 "essential benefits" are included in each plan, and there is no maximum payout cap if you develop a chronic condition.
 

Provided benefits include hospital inpatient, outpatient and ER, prescription drugs, office visits (pcp and specialist), radiology and lab services, maternity, newborn, and prenatal care, substance abuse, and mental disorder. Dental and vision coverage is also available at very affordable prices. Popular Medicaid programs offered include FAMIS, Medallion, and CCC Plus. CHIP provides additional benefits.
 

In addition to current options, other 2024 plans and legislation are being designed, and may be available in future years, depending on how quickly Administration changes can be implemented. Short-term plans, although non-compliant, can provide cheap medical benefits in less than 24 hours. Currently, HMO (Health Maintenance Organization) and POS (Point Of Service) policies are offered with pharmacy benefits. Tiered pricing for hospitals and facilities allows you to select lower-costing treatment, while retaining the highest available quality. Network-negotiated discounts at medical facilities help reduce out-of-pocket costs, especially for x-rays and diagnostic tests.
 

For persons under age 65, on and off Exchange plans are offered in the following cities and counties: Accomack, Albemarle, Allegheny, Amherst, Appomattox, Augusta, Bath, Bedford, Bedford City, Bland, Botetourt, Bristol City, Brunswick, Buchanan, Buckingham, Buena Vista City, Campbell, Caroline, Carroll, Charlotte, Charlottesville City, Chesapeake City, Covington City, Craig, Culpeper, Cumberland, Danville City, Dickenson, Emporia City, Fauquier, Floyd, Fluvanna, Franklin, Franklin City, Frederick, Fredericksburg City, Galax City, Giles, Gloucester, Goochland, Grayson, Greene, Greensville, Halifax, Hampton City, Harrisonburg City, Henry, Highland, Isle Of Wight, James City, and King And Queen.
 

Also, King George, King William, Lancaster, Lexington City, Lee, Louisa, Lunenburg, Lynchburg City, Madison, Martinsville City, Mathews, Mecklenburg, Middlesex, Montgomery, Nelson, New Kent, Newport News, Norfolk City, Northampton, Northumberland, Norton City, Nottoway, Orange, Patrick, Pittsylvania, Poquoson City, Portsmouth City, Powhattan, Page, Prince Edward, Pulaski, Radford City, Rappahannock, Richmond, Roanoke, Roanoke City, Rockbridge, Rockingham, Russell, Salem City, Scott, Shenandoah, Smyth, Southampton, Spotsylvania, Staunton City, Suffolk City, Surry, Tazewell, Virginia Beach City, Washington, Waynesboro City, Westmoreland, Williamsburg City, Winchester City, Wise, Wythe, and York.
 

Note: You can also easily compare plans from different carriers, which greatly simplifies the shopping process. For example, CareFirst, Cigna, Optima, Piedmont, and Oscar offer under-65 plans that we also review side-by side. Additional Senior Medicare carriers in the state include AARP, Capitol Life, Central States, Cigna, Clear Spring, Continental Life, Great Southern Life, Humana, Aetna, LifeWorks, Magellan, Medicao, Mutual Of Omaha, United American, and UnitedHealthcare.
 

We have listed below the Anthem health insurance plans in Virginia. Your household income will determine if you are eligible for a federal subsidy, and how much the premium will reduce. In many situations, your actual deductible and out-of-pocket expenses will be less than shown (Silver-tier cost-sharing). Plans are also available for specific temporary needs of less than 12 months. Individual deductibles are shown. Family deductibles are double the single amount on most plans. Once the deductible and required out-of-pocket expense cap are met, covered benefits are provided at 100%.
 

Anthem Telehealth online office visits are available with the copay equal or less than the primary-care physician copay on each policy. You can easily speak to a therapist, board-certified physician, or psychologist. The 24/7 nurse line provides professional and instant access to a registered nurse at any time of the day or night. An AutoHealth Library is provided. Case managers are also available for intricate medical situations, and they can offer help with the selection of physicians.
 

Telemedicine can best be utilized through a mobile device or a computer (or laptop) with a camera. Meetings are much less expensive than an urgent care or emergency room visit. Most importantly, the quality of treatment is excellent, and consumer reviews are overwhelmingly positive. "LiveHealth Online" is offered to persons who are not covered under an Anthem policy.
 

Reminders to take medications and offer recommendations for generic low-cost options are provided. "MyHealth Advantage" can reduce costs and offer healthy recommendations. The "Gold" program (with daily alerts) provides personalized notes, monthly provider communication, and outbound provider phone calls.
 

Catastrophic Plans
 

HealthKeepers Catastrophic X 9100 -- $9,100 deductible. Must be under age 30 to qualify. Otherwise, proof of financial hardship is needed. Primary-care physician (pcp) office visits are subject to a $40 copay (three per person per year allowed) and coinsurance is 0%. Maximum out-of-pocket expenses are also $9,100. Negotiated network discounts help reduce out-of-pocket expenses. A federal subsidy is not available with this plan.
 

Bronze Plans
 

HealthKeepers Bronze X 5900 For HSA -- Inexpensive HSA-eligible plan. Deductible is $5,900 with maximum out-of-pocket expenses of $7,450. Coinsurance is 35%. Prescriptions, non-preventive office visits, and all other expenses subject to the deductible and coinsurance. For persons with no medical conditions that prefer the lowest premium, this plan should be strongly considered. Medical, dental, and vision expenses can be paid with pre-tax dollars.
 

HealthKeepers Bronze X 8200 -- $8,200 deductible with $9,100 maximum out-of-pocket expenses and 40% coinsurance. Prescriptions, non-preventive office visits, and all other expenses subject to the deductible and coinsurance.
nbsp;

HealthKeepers Bronze X 9100 Standard -- $9,100 deductible with $9,100 maximum out-of-pocket expenses and 0% coinsurance. Prescriptions, non-preventive office visits, and all other expenses subject to the deductible and coinsurance.
nbsp;

HealthKeepers Bronze X 5500 -- $5,500 deductible with $9,100 maximum out-of-pocket expenses and 50% coinsurance. The pcp office visit copay is $30. Tier 1 drugs are subject to 35% coinsurance while other tiers must meet 50% coinsurance. The Urgent Care copay is $60.
 

HealthKeepers Bronze X 5800 -- $5,800 deductible with $9,100 maximum out-of-pocket expenses and 30% coinsurance. The pcp office visit copay is $25. The Tier 1 drug copay is $20 ($60 home delivery). The Tier 2 coinsurance is 30%. Tier 3 and Tier 4 drugs must meet 50% coinsurance. The Urgent Care copay is $50.
 

HealthKeepers Bronze X 7500 Standard PCP -- $7,500 deductible with $9,000 maximum out-of-pocket expenses and 50% coinsurance. The pcp office visit copay is $50 ($100 copay for specialist visits). The Tier 1 drug copay is $25 ($75 home delivery). The Tier 2 and Tier 3 drug copays are $50 and $100 ($150 and $300 home delivery). The Urgent Care copay is $75.
 

EPO Bronze 5900 -- $5,900 deductible with $9,100 maximum out-of-pocket expenses and 35% coinsurance. The pcp office visit copay is $40 for the first 3 visits. Tier 1 drugs are subject to 35% coinsurance while other tiers must meet 50% coinsurance. The Urgent Care copay is $60.
 

EPO Bronze 5500 For HSA -- Inexpensive HSA-eligible plan. Deductible is $5,500 with maximum out-of-pocket expenses of $7,450. Coinsurance is 25%. Prescriptions, non-preventive office visits, and all other expenses subject to the deductible and coinsurance. For persons with no medical conditions that prefer the lowest premium, this plan should be strongly considered. Medical, dental, and vision expenses can be paid with pre-tax dollars.
 

Virginia Blue Cross Cheap Options

Save Money With Bronze Plans


 

Silver Plans
 

HealthKeepers Silver X 2400 -- Low $2,400 deductible with maximum out-of-pocket expenses of $9,100 and 30% coinsurance. Pcp office visit copay is $25, but specialist visits must meet deductible. Tier 1 and Tier 2 prescription copays are $15 and $85 ($45 and $255 mail-order). Tier 3 and Tier 4 drugs are subject to 50% coinsurance. Urgent Care copay is $55.
 

HealthKeepers Silver X 5000 -- $5,000 deductible with maximum out-of-pocket expenses of $9,100 and 20% coinsurance. Pcp office visit copay is $20, with no cap on the number of visits. Tier 1 and Tier 2 drugs must meet a $10 and $50 copay only $30 and $150 mail order). Tier 3 and Tier 4 drugs are subject to 50% coinsurance. Urgent Care copay is $55.
 

HealthKeepers Silver X 4200 -- $4,200 deductible with maximum out-of-pocket expenses of $9,100 and 25% coinsurance. Pcp office visit copay is $15, with no cap on the number of visits. Tier 1 and Tier 2 drugs must meet a $15 and $65 copay only ($45 and $195 mail order). Tier 3 and Tier 4 drugs are subject to 50% coinsurance. Urgent Care copay is $50.
 

HealthKeepers Silver X 5800 Standard -- Low $5,800 deductible with maximum out-of-pocket expenses of $8,900 and 40% coinsurance. Office visit copays are $40 and $80. Tier 1 and Tier 2 prescription copays are $20 and $40 ($60 and $120 mail-order). Tier 3 and Tier 4 drugs are subject to 50% coinsurance. Urgent Care copay is $60.
 

EPO Silver 3000 for HSA -- $3,000 deductible with maximum out-of-pocket expenses of $7,450 and 35% coinsurance. HSA-eligible.
 

Gold Plans
 

HealthKeepers Gold X 2000 -- Low $2,000 deductible with $8,700 maximum out-of-pocket expenses and 20% coinsurance. $30 and $60 office visit copays. Tier 1 and Tier 2 drug copays are $15 and $30 ($45 and $90 mail order). Tier 3 and Tier 4 drug copays are $60 and $250 ($180 and $250 mail order). $45 Urgent Care copay.
 

HealthKeepers Gold X 1500 -- Low $1,500 deductible with $9,100 maximum out-of-pocket expenses and 30% coinsurance. $10 ($0 first 5 visits) and $50 office visit copays. Tier 1 and Tier 2 drug copays are $5 and $45 ($15 and $135 mail order). $50 Urgent Care copay.
 

HealthKeepers Gold X 1800 -- Low $1,500 deductible with $8,500 maximum out-of-pocket expenses and 20% coinsurance. $15 pcp office visit copay. Tier 1 and Tier 2 drug copays are $5 and $40 ($15 and $120 mail order). $50 Urgent Care copay.
 

Important Note: Unless you are under age 30, you can not purchase a "catastrophic" Marketplace plan. Although financial hardship exceptions are offered, typically, prices are higher than subsidized Bronze-tier plans, so alternative policies should also be considered.
 

Sample Monthly Rates
 

40-Year-Old In Norfolk, Chesapeake, Newport News, Portsmouth, Suffolk, and Virginia Beach With $36,000 Income
 

$65 -- HealthKeepers Bronze X 8200
$66 -- Healthkeepers Bronze X 9100 Standard
$79 -- HealthKeepers Bronze X 5500
$83 -- HealthKeepers Bronze X 5900 For HSA
$89 -- HealthKeepers Bronze X 5800
$96 -- HealthKeepers Bronze X 7500 Standard
$159 -- HealthKeepers Silver X 5000

 

50-Year-Old Married Couple With Two Children (4 Persons) In Norfolk, Chesapeake, Newport News, Portsmouth, Suffolk, and Virginia Beach With $78,000 Income
 

$36 -- HealthKeepers Bronze X 8200
$44 -- Healthkeepers Bronze X 9100 Standard
$94 -- HealthKeepers Bronze X 5500
$109 -- HealthKeepers Bronze X 5900 For HSA
$133 -- HealthKeepers Bronze X 5800
$161 -- HealthKeepers Bronze X 7500 Standard
$418 -- HealthKeepers Silver X 5000

 

35-Year-Old Married Couple (Two Persons) In Roanoke With $50,000 Income
 

$95 -- HealthKeepers Bronze X 8200
$99 -- Healthkeepers Bronze X 9100 Standard
$124 -- HealthKeepers Bronze X 5500
$131 -- HealthKeepers Bronze X 5900 For HSA
$143 -- HealthKeepers Bronze X 5800
$157 -- HealthKeepers Bronze X 7500 Standard
$284 -- HealthKeepers Silver X 5000

 

55-Year-Old Married Couple (Two Persons) In Roanoke With $62,000 Income
 

$158 -- HealthKeepers Bronze X 8200
$166 -- Healthkeepers Bronze X 9100 Standard
$211 -- HealthKeepers Bronze X 5500
$225 -- HealthKeepers Bronze X 5900 For HSA
$246 -- HealthKeepers Bronze X 5800
$272 -- HealthKeepers Bronze X 7500 Standard
$504 -- HealthKeepers Silver X 5000

 

50-Year-Old Married Couple With One Child (3 Persons) In Hampton With $70,000 Income
 

$28 -- HealthKeepers Bronze X 8200
$74 -- Healthkeepers Bronze X 5500
$95 -- HealthKeepers Bronze X 5900 For HSA
$105 -- HealthKeepers Bronze X 7000 0 PCP
$358 -- HealthKeepers Silver X 6250
 

60-Year-Old Married Couple (2 Persons) In Hampton With $72,000 Income
 

$72 -- HealthKeepers Bronze X 8200
$130 -- Healthkeepers Bronze X 5500
$156 -- HealthKeepers Bronze X 5900 For HSA
$169 -- HealthKeepers Bronze X 7000 0 PCP
$485 -- HealthKeepers Silver X 6250

 

Pediatric Vision And Dental Benefits Included For All Persons Under Age 19
 

Pediatric Dental
 

Diagnostic and preventative benefits have no waiting period and there is no policy maximum for covered expenses. Major services also have no waiting period. Cleanings, exams, and x-rays have 0% coinsurance and only have to meet the deductible. Fillings are subject to 40% coinsurance. Periodontics, endodontics, and oral surgery are subject to 50% coinsurance. Cosmetic orthodontia is not included, unless dentally necessary (50%). For example, when a child's teeth are not correctly spaced, or are crooked and not working properly, coverage could be included. Services are subject to the medical policy deductible.
 

Pediatric Vision
 

A $0 copay applies to all covered benefits. An annual eye exam and lenses are allowed. The lenses must be single, bifocal, trifocal, or standard progressive. Contact lenses (non-elective and elective disposable) are covered along with low vision services (magnifiers and loupes). availability of frames and lenses may vary depending upon the provider that is utilized.
 

Anthem HSA Plans With "BenefitWallet"
 
Anthem's partner is BenefitWallet, who administers the contracts, and uses the Bank Of New York Mellon as the custodian. Creating a new account for your deposits and withdraws is very easy. Additional benefits include personalized customer service, checks, debit cards, and online processing, interest paid on accumulated funds, medication advisor to help select prescriptions, and FDIC-insured checking account.
 

When a balance of $1,000 is maintained in the account, interest is earned and several additional investment options are available, including several mutual funds. Although the potential for higher rate-of-returns is an attractive feature, customers can also lose money. The fixed fund guarantees a specified interest rate for a specific period of time. A monthly account fee of $2.95 is charged, along with $2 for ATM transactions, $10 for check reorders, and $5 for replacement of cards.
 

Open Enrollment
 

Special Open Enrollment Period To Apply

During Open Enrollment -- Your Approval Is Virtually Guaranteed


 

During the Open Enrollment period, there are no health-related questions asked, and acceptance is near 100% guaranteed. However, if there are immigration or citizenship issues, or you are eligible for Medicaid or Medicare, you may not be able to buy a Marketplace plan. If your income allows you to receive a federal subsidy, the policy must be  an Exchange-issued plan. The amount you receive is based on your projected earnings for the year that you are applying for a policy. If you receive a federal subsidy (instant tax credit), you will need to file IRS Form 8962. Additionally, IRS Form 1095-A will be sent to you from the Department of Health and Human Services (HHS). However, the IRS will process your tax return if some of the required information is not furnished.
 

After Open Enrollment Ends
 

If you miss Open Enrollment in Virginia, many affordable options are available for both individuals and families. For example, temporary policies, which can be kept for up to 12 months, will provide very inexpensive coverage until the next period (typically in November). For 2024 effective dates, the OE period began on November 1 and ended on January 15th. An extension is provided in limited situations. For example, if an application was received but not correctly processed, an exception is generally granted.
 
Applying for temporary coverage takes about 15 minutes and several carriers offer many low-cost plans. However, pre-existing conditions are not covered, and short-term plans don't contain all of the required ACA benefits (such as maternity and preventive). Since subsidies are not applicable, the federal instant tax-credit is not offered. However, in many areas, three months of coverage is available. UnitedHealthcare's subsidiary Golden Rule provides many plans with customizable benefits.
 

Also, "qualifying life events," allow you to enroll at any time. These exceptions provide a 60-day window (approximately) to compare and purchase plans. Some of the most common events are divorce, birth of a child, loss of benefits from work, termination of existing coverage, and dependent turning age 26. If you voluntarily terminate a plan, you do not qualify for an SEP exemption and must wait for the next OE period to qualify for a subsidy. Regardless of plan selection, checking the Anthem provider network is recommended, so you can take advantage of substantial negotiated savings. The Anthem Virginia provider phone number is 1-800-676-2583.
 

Anthem Individual Dental Plans In Virginia

 

Low-cost dental benefits are available that can be purchased separately with one of the largest provider networks included. 100% preventative care is included along with customized benefits to meet single and family needs. Pediatric essential health benefits for children (up to age 19) are provided on all plans.
 

Anthem Essential Choice PPO Plans
 

Essential Choice Bronze -- Cleaning exams and x-rays subject to 0% and 20% coinsurance. Fillings subject to 50% coinsurance. Brush biopsy covered. Six-month waiting period for complex and major surgeries. Endodontic and periodontic oral surgery covered at 50%. Prosthetics (dentures, crowns, and bridges) covered at 50%. Adult orthodontia not covered. Network used is Anthem Dental Prime. Policy deductible is $50 ($150 per family). $1,000 annual policy benefit maximum with international emergency dental program included.
 

Essential Choice Silver -- Cleaning exams and x-rays subject to 0% coinsurance. Fillings subject to 50% coinsurance. Brush biopsy covered. Six-month waiting period for complex and major surgeries. Endodontic and periodontic oral surgery not covered. Prosthetics (dentures, crowns, and bridges) covered at 50%. Adult orthodontia not covered. Network used is Anthem Dental Prime. Policy deductible is $50 ($150 per family). $1,000 annual policy benefit maximum with international emergency dental program included.
 

Essential Choice Gold -- Cleaning exams and x-rays subject to 0% and 20% coinsurance. Fillings subject to 20% coinsurance. Brush biopsy covered. Six-month waiting period for complex and major surgeries. Endodontic and periodontic oral surgery covered at 50%. Prosthetics (dentures, crowns, and bridges) covered at 50%. Adult orthodontia not covered. Network used is Anthem Dental Prime. Policy deductible is $50 ($150 per family). $1,500 annual policy benefit maximum with international emergency dental program included.
 

Essential Choice Platinum -- Cleaning exams and x-rays subject to 0% coinsurance. Fillings subject to 20% coinsurance. Brush biopsy covered. Six-month waiting period for complex and major surgeries. Endodontic and periodontic oral surgery covered at 50%. Prosthetics (dentures, crowns, and bridges) covered at 50%. Adult orthodontia benefits provided with $150 deductible and 50% coinsurance. After a 12-month waiting period, $500 per year of benefits ($1,000 lifetime maximum) are provided. Network used is Anthem Dental Prime. Policy deductible is $50 ($150 per family). $2,000 annual policy benefit maximum with international emergency dental program included.
 

Essential Choice Incentive -- Cleaning exams and x-rays subject to 0% coinsurance. Fillings subject to 40% coinsurance, although a yearly preventive awards program is available. Brush biopsy covered. No waiting period for complex and major surgeries. Endodontic and periodontic oral surgery covered at 70%. Prosthetics (dentures, crowns, and bridges) covered at 70%. Adult orthodontia benefits provided with $150 deductible and 50% coinsurance. $500 per year of benefits ($1,000 lifetime maximum) are provided. Network used is Anthem Dental Prime. Policy deductible is $50 ($150 per family). $2,500 annual policy benefit maximum with international emergency dental program included.
 

Short-Term Coverage

 

Temporary coverage works best when you are between jobs, waiting for relocation to a new job, just graduated from high school, college or graduate school, or simply find yourself without benefits for various reasons. Unexpected illness or injury are one of the primary purposes of purchasing this type of policy. All of the plans previously listed have no minimum number of month requirements for keeping the policy. Therefore, it is possible and permissible to purchase a policy, and terminate at any time. In Virginia, since Anthem does not offer temporary contracts, Standard Security Life, (part of the IHC Group), provides free quotes on their official websites. However, the two carriers are not affiliated with each other.
 

If a policy is canceled outside the Open Enrollment period, although you will have options, the number of choices will be limited. There are specific designated "short-term" contracts that allow you to apply and get approved within 12-36 hours. UnitedHealthcare is one of several carriers that provide cheap rates on policies you can keep from 1-3 months. Pre-existing conditions are not covered on this type of plan, and the benefits do not comply with ACA federal legislation. NOTE: The maximum number of months offered on a single policy is typically 6-12 months.
 

Senior Anthem Virginia Healthcare Plan Options

 

Virginia Medigap and MedSupp Plan Rates

Affordable Senior Healthcare In Virginia Is Available


 

Consumers that are eligible for Medicare can not purchase coverage from the Exchanges and receive a subsidy. Instead, three options are available:
 

Medigap Plans
 

Three Medicare Supplement policies in Virginia can be purchased. During the annual Open Enrollment, acceptance is guaranteed and you can not be turned down. Pre-existing conditions are also covered. Options A, F, G, and N are available, and each policy is different from the others. SilverSneakers membership is available with all plans.
 

Plan A is the cheapest Medigap policy and covers the hospital coinsurance or co-payment. But it does not cover the Part A deductible or Part B copayment. Plan N offers better benefits although it does not include Part B excess charges. Plan F is the most comprehensive option, and of course, is the most expensive. Current monthly rates (Age-65 female) in the largest counties are listed below:
 

Fairfax, Loudoun, Manannas City, Fauquier, Fairfax, Chesterfield, Henrico, Hanover, Richmond City, Norfolk City, Portsmouth City, Chesapeake City, and Prince William Counties
$101 -- Plan A
$109 -- Plan G
$116 -- Plan N

 

Stafford, Albemarle, Montgomery, Frederick, Essex, Rockingham, Augusta, Accomack, Washington, Martinsville City, Fauquier, Rockingham, Richmond, Madison, Shenandoah, Lynchburg City, and Spotsylvania Counties
$92 -- Plan A
$102 -- Plan G
$109 -- Plan N

 

Advantage Plans
 

Seven Advantage contracts are offered, and each policy features a $0 or an extremely low premium.  Copays and deductibles are also often waived. Prices in different counties may vary. Current available plans are:
 

Medicare Advantage -- $0 monthly premium with $95 deductible and $7,550 maximum out-of-pocket expenses. Preferred pharmacy cost-sharing copays are $4 (Tier 1), $13 (Tier 2), $42 (Tier 3), and $95 (Tier 4). 3,643 formulary drugs are available and the Plan Summary Star Rating is 3.0. Primary and specialist in-network copays are $0 and $40. Urgent Care and ER copays are $45 and $90. 15,995 statewide members. Plan is a PPO.

Lab services and outpatient x-rays copays are $0-$15 and $50-$110. The inpatient hospital copay is $350 for 5 days and the outpatient hospital copay is $0-$300 per visit. Speech and language, occupational, and physical therapy coapys are $30. Hearing, vision, dental, and foot care copays are $0-$40.

 

MediBlue Local -- $0 monthly premium with $0 deductible and $3,650 maximum out-of-pocket expenses. Preferred pharmacy cost-sharing copays are $0 (Tier 1), $9.50 (Tier 2), $40 (Tier 3), and $85 (Tier 4). 3,198 formulary drugs are available and the Plan Summary Star Rating is 4.0. Primary and specialist in-network copays are $0 and $0-$35. Urgent Care and ER copays are $20 and $120. 1,836 statewide members. Plan is an HMO.

Lab services and outpatient x-rays copays are $0. The inpatient hospital copay is $325 for 5 days and the outpatient hospital copay is $0-$200 per visit. Speech and language, occupational, and physical therapy coapys are $20. Hearing, vision, and foot care copays are $0-$35.

 

MediBlue Smart Fit -- $0 monthly premium with $0 deductible and $3,650 maximum out-of-pocket expenses. Preferred pharmacy cost-sharing copays are $5 (Tier 1), $12.50 (Tier 2), $40 (Tier 3), and $90 (Tier 4). 3,198 formulary drugs are available and the Plan Summary Star Rating is 4.0. Primary and specialist in-network copays are $10 and $0-$40. Urgent Care and ER copays are $20 and $120. 1,196 statewide members. Plan is an HMO.

Lab services and outpatient x-rays copays are $0. The inpatient hospital copay is $345 for 5 days and the outpatient hospital copay is $0-$250 per visit. Speech and language, occupational, and physical therapy coapys are $20. Hearing, vision, and foot care copays are $0-$40.

 

MediBlue Extra -- $25.90 monthly premium with $505 deductible and $3,400 maximum out-of-pocket expenses. Preferred pharmacy cost-sharing copays are $0 (Tier 1), $16 (Tier 2), $47 (Tier 3),and $95 (Tier 4). 3,643 formulary drugs are available and the Plan Summary Star Rating is 4.0. Primary and specialist in-network copays are $0 and $40. Urgent Care and ER copays are $50 and $90. 3,133 statewide members. Plan is an HMO.

Lab services and outpatient x-rays copays are $0 and $15-$50. The inpatient hospital copay is $325 for 5 days and the outpatient hospital copay is $0-$295 per visit. Speech and language, occupational, and physical therapy coapys are $40. Hearing, dental, vision, and foot care copays are $0-$40.

 

MediBlue Care To You -- $35.10 monthly premium with $0 deductible. Preferred pharmacy cost-sharing copays are $0 (Tier 1), $7.50 (Tier 2), $40 (Tier 3),and $85 (Tier 4). 3,150 formulary drugs are available and the Plan Summary Star Rating is 3.5. Primary and specialist in-network copays are $0. Urgent Care and ER copays are $0 and $120.

Lab services and outpatient x-rays copays are $0. The inpatient hospital copay is $200 for 5 days and the outpatient hospital copay is $0-$200 per visit. Speech and language, occupational, and physical therapy coapys are $0. Hearing, dental, vision, and foot care copays are $0.

 

MediBlue Essential -- $0 monthly premium with $325 deductible. Preferred pharmacy cost-sharing copays are $4 (Tier 1), $10 (Tier 2), $42 (Tier 3),and $95 (Tier 4). 3,639 formulary drugs are available and the Plan Summary Star Rating is 3.5. Primary and specialist in-network copays are $0 and $40. Urgent Care and ER copays are $50 and $90.

Lab services and outpatient x-rays copays are $0-$10 and $15-$50. The inpatient hospital copay is $325 for 5 days and the outpatient hospital copay is $0-$295 per visit. Speech and language, occupational, and physical therapy coapys are $40. Hearing, dental, vision, and foot care copays are $0-$40.

 

MediBlue Full Dual Advantage -- $0 monthly premium with $0 deductible. Preferred pharmacy cost-sharing copays are $0 (Tier 1), $0 (Tier 2), $47 (Tier 3),and $95 (Tier 4). 3,649 formulary drugs are available and the Plan Summary Star Rating is 3.5. Primary and specialist in-network copays are $0. Urgent Care and ER copays are $0.

Lab services and outpatient x-rays copays are $0. The inpatient hospital copay is $0 and the outpatient hospital copay is $0. Speech and language, occupational, and physical therapy coapys are $0. Hearing, dental, vision, and foot care copays are $0.

 

Medicare Part D Prescription Drug Plans
 

Anthem Blue MedicareRx Plus -- $0 deductible with $70.60 monthly premium. 3,208 Formulary drugs are available, and the plan has a 3.5 Star rating. Preferred pharmacy 30-day copays for Tiers 1-5 are $1, $4, $47, 50%, and 33%. 90-day preferred pharmacy copays for Tiers 1-5 are $3, $12, $141, 50%, and n/a. 29,501 members are enrolled in the state.
 

Anthem Blue MedicareRx Standard -- $545 deductible with $56.60 monthly premium. 2,928 Formulary drugs are available, and the plan has a 3.5 Star rating. Preferred pharmacy 30-day copays for Tiers 1-5 are $1, $3, 20%, 40%, and 25%. 90-day preferred pharmacy copays for Tiers 1-5 are $3, $9, 20%, 40%, and n/a. 11,167 members are enrolled in the state.
 

Anthem Blue Cross Blue Shield offers many affordable plans to individuals, families and small business owners. We make it easy for you to view and compare the best available policies and enroll as quickly as possible.
 

Anthem Small Group Plans (1-50 Employees)
 

All plans include the "BlueCard," which provides access to physicians, hospitals, and medical facilities throughout the US. Claims forms are not needed, and typically, an upfront payment is not required. Medically-necessary coverage is available outside the US. LiveHealth Online is a virtual service that allows online treatment from board-certified physicians, psychiatrists, and therapists.

A "SmartShopper" benefit helps members find low-cost options for many medical tests and procedures, and also earn cash rewards. A personal assistant team can help find the most cost-effective options. A 24/7 Nurse Line and "Future Moms" program are also offered to Small Group members.

Available Plans

Platinum Tier

Platinum PPO -- $0 deductible with $3,500 maximum out-of-pocket expenses. Office visit copays are $10 and $30, and Urgent Care and ER copays are $30 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25%.

Platinum PPO -- $250 deductible with $4,000 maximum out-of-pocket expenses. Office visit copays are $15 and $35, and Urgent Care and ER copays are $35 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25%.

Platinum PPO -- $500 deductible with $4,500 maximum out-of-pocket expenses. Office visit copays are $25 and $50, and Urgent Care and ER copays are $50 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25%.

Link Platinum Blue Connection OAEPO -- $500 deductible with $2,500 maximum out-of-pocket expenses. Office visit copays are $0 and $75, and Urgent Care and ER copays are $100 and 20%. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $50, and $90.

Platinum HealthKeepers OAPOS -- $0 deductible with $3,500 maximum out-of-pocket expenses. Office visit copays are $10 and $30, and Urgent Care and ER copays are $30 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25%.

Platinum HealthKeepers OAPOS -- $250 deductible with $4,000 maximum out-of-pocket expenses. Office visit copays are $15 and $35, and Urgent Care and ER copays are $35 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25%.

Platinum HealthKeepers OAPOS -- $500 deductible with $4,500 maximum out-of-pocket expenses. Office visit copays are $25 and $50, and Urgent Care and ER copays are $50 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Gold Tier

Gold PPO -- $0 deductible with $5,500 maximum out-of-pocket expenses. Office visit copays are $20 and $60, and Urgent Care and ER copays are $60 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up to $200.

Gold PPO -- $0 deductible with $6,000 maximum out-of-pocket expenses. Office visit copays are $25 and $60, and Urgent Care and ER copays are $60 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up to $200.

Gold PPO -- $0 deductible with $6,500 maximum out-of-pocket expenses. Office visit copays are $30 and $50, and Urgent Care and ER copays are $50 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25% up to $200.

Gold PPO -- $750 deductible with $7,700 maximum out-of-pocket expenses. Office visit copays are $25 and $60, and Urgent Care and ER copays are $60 and $450. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up to $200.

Gold PPO -- $1,000 deductible with $5,500 maximum out-of-pocket expenses.

Gold PPO -- $1,500 deductible with $5,750 maximum out-of-pocket expenses. Office visit copays are $25 and $60, and Urgent Care and ER copays are $60 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25% up to $200.

Gold PPO -- $1,500 deductible with $6,000 maximum out-of-pocket expenses. Office visit copays are $20 and $60, and Urgent Care and ER copays are $60 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25% up to $200.

Gold PPO -- $2,000 deductible with $5,250 maximum out-of-pocket expenses. Office visit copays are $30 and $60, and Urgent Care and ER copays are $60 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $10, $40, and 25% up to $200.

Gold PPO -- $3,000 deductible with $5,500 maximum out-of-pocket expenses. Office visit copays are $35 and $60, and Urgent Care and ER copays are $55 and $350. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up to $200.

Silver Tier

Silver PPO -- $2,250 deductible with $4,500 maximum out-of-pocket expenses. Office visit copays are $50 and $80, and Urgent Care and ER copays are $80 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up tp $200.

Silver PPO -- $4,000 deductible with $8,000 maximum out-of-pocket expenses. Office visit copays are $40 and $70, and Urgent Care and ER copays are $70 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up to $200.

Silver PPO -- $5,500 deductible with $8,000 maximum out-of-pocket expenses. Office visit copays are $45 and $65, and Urgent Care and ER copays are $70 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25% up to $200.

Silver PPO HSA -- $3,250 deductible with $6,750 maximum out-of-pocket expenses and 20% coinsurance.

Silver PPO HSA -- $4,000 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver PPO HSA -- $4,500 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver PPO HSA -- $5,000 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver PPO HSA -- $6,000 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver PPO HSA -- $6,850 deductible with $6,850 maximum out-of-pocket expenses and 0% coinsurance.

Silver HealthKeepers OAPOS -- $2,250 deductible with $8,550 maximum out-of-pocket expenses. Office visit copays are $50 and $80, and Urgent Care and ER copays are $75 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Silver HealthKeepers OAPOS -- $2,500 deductible with $6,500 maximum out-of-pocket expenses. Office visit copays are $45 for the first three visits, and Urgent Care and ER copays are 35% and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Silver HealthKeepers OAPOS -- $3,500 deductible with $7,000 maximum out-of-pocket expenses. Office visit copays are $35 for the first three visits, and Urgent Care and ER copays are 30% and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Silver HealthKeepers OAPOS -- $4,000 deductible with $8,000 maximum out-of-pocket expenses. Office visit copays are $40 and $70, and Urgent Care and ER copays are $70 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Silver HealthKeepers OAPOS -- $5,500 deductible with $8,000 maximum out-of-pocket expenses. Office visit copays are $45 and $65, and Urgent Care and ER copays are $65 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Silver HealthKeepers OAPOS -- $6,500 deductible with $8,550 maximum out-of-pocket expenses. Office visit copays are $45 for the first three visits, and Urgent Care and ER copays are $75 and $400. 30-day retail pharmacy copays for Tiers 1, 2, and 3 are $15, $45, and 25%.

Silver HealthKeepers OAPOS POS HSA -- $4,500 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver HealthKeepers OAPOS POS HSA -- $5,000 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver HealthKeepers OAPOS POS HSA -- $6,000 deductible with $7,000 maximum out-of-pocket expenses and 20% coinsurance.

Silver HealthKeepers OAPOS POS HSA -- $6,850 deductible with $6,850 maximum out-of-pocket expenses and 0% coinsurance.

Bronze Tier

Bronze PPO -- $8,500 deductible with $8,500 maximum out-of-pocket expenses and 00% coinsurance.

Bronze HealthKeepers OAPOS POS -- $8,500 deductible with $8,500 maximum out-of-pocket expenses and 0% coinsurance.

News From The Past
 

Virginia Anthem policyholders can receive free financial protection and 24 months of credit monitoring as a result of the massive data breach earlier this year. More than three million Va customers were impacted with hackers possibly obtaining access to social security numbers, dates of birth, email addresses, and possibly additional financial data.
 

Attorney General Mark Herring is recommending state residents take advantage of the free offers to help protect against future identity theft and other potential fraudulent activities. Written notification has been sent to all persons affected with specific instructions how to take advantage of the free services. Special protection for children will be included if any policyholder was insuring a child.

 

Jobs will be eliminated at the Anthem office in Henrico County. No figure was given regarding the number of employees that will lose their positions, although an announcement should provide more details within the next two months. These laid-off employees may be offered other positions with the company. Currently, about 2,700 persons work for Anthem in Richmond.

 

How will the Administration's proposed American Health Care Act impact Virginia? It's too early to determine, since many portions of the proposed legislation will be tweaked or eliminated, and more provisions will certainly be added. The final product, although not likely to be approved by Congress, would be effective in future years. Until that time, the Affordable Care Act is still the law of the land.