This plan is $715 on the exchange for Michigan. No other Michigan exchange plan is in the $700 range. Is this the one you are talking about, Caroljo?
http://www.bcbsm.com/content/dam/pu...-plans/2014/blue-cross-silver-multi-state.pdf
I never actually got to see what that plan covered, all I was given was what it would cost me, so this could be the one. We do have BCBS, but it's not a Multi-state plan.
Here I copied/pasted the first page of the plan we have...it doesn't want to lay out correctly but you can get the idea. The higher percentage is if we use services "in network". I was actually wrong on the deductibles...they're lower than I stated.
In-Network
Out-of-Network
Deductible, Copays/Coinsurance and Dollar Maximums
Deductible - per calendar year
$600 per member
$1,200 per family
$1,200 per member
$2,400 per family
Copays
• Fixed Dollar Copays
$35 copay for:
 Chiropractic Spinal Manipulations
 Office Visits
 Office surgery
$45 copay for:
 Urgent Care Services
$115 copay for:
 Emergency Room (copay waived if admitted or accidental injury)
$115 copay for:
 Emergency Room (copay waived if admitted or accidental injury)
Coinsurance
• Percent Coinsurance
20%, unless otherwise noted
30%, unless otherwise noted
Note: Services without a network are covered at the in-network level.
Out-of-Pocket Maximum
Includes Deductible, Coinsurance and Copays
excludes private duty nursing
$2,000 per member
$4,000 per family
$2,600 per member
$5,200 per family
Lifetime Maximum
Unlimited
Preventive Services
Health Maintenance Exam - one per calendar year
Covered - 100%
Covered – 80%
Routine Physical Related Test - X-Rays, EKG and lab procedures performed as part of the health maintenance exam
Covered - 100%
Covered – 80%
Annual Gynecological Exam – two per calendar year, in addition to health maintenance exam
Covered - 100%
Covered – 80%
Pap Smear Screening - one per calendar year
Covered - 100%
Covered – 80%
Mammography Screening - one per calendar year
Covered - 100%
Covered – 80%
Contraceptive Methods and Counseling
Covered – 100%
Covered – 80%
Prostate Specific Antigen (PSA) Screening - one per calendar year
Covered - 100%
Covered – 80%
Endoscopic Exams - one per calendar year
Covered - 100%
Covered – 80%
Well Child Care
 6 visits per calendar year to age 35 months
 2 visits per year, 36 months to 47 months
 1 visit per year, ages 4 through adult
1. visits to a physician to monitor the development of a child
Covered - 100%
Covered – 80%
Immunizations -Pediatric & Adult
Covered - 100%
Covered – 80%
Physician Office Services
Office Visits
Covered - 100% after $35 copay
Covered - 70% after deductible
Pre-Surgical Consultations
Covered - 100% after deductible
Covered - 100% after deductible
A lot of the other coverages are mostly 80% to 100% covered also. We have a very good plan, better than the one you linked to. One I noticed is on the one you linked, for Skilled Nursing care you can only be covered for 45 days, and they cover 80% after deductible AND $500 copay. This same coverage on my plan....they cover 120 days & 80% after deductible (no co-pays).
So needless to say....I'm happy with mine!
