Simply Blue and Health Check Basic
Budget-Conscious Plans
Are you looking for a great value and affordable premiums in your health insurance coverage? Creating value is what Blue Cross and Blue Shield of Oklahoma (BCBSOK) is all about. And, with our Health Check Basic plan, you get more than basic coverage at an affordable price. In fact, Health Check Basic can be less expensive than many other plans available to you.
Some common health care expenses covered under this plan include:
- Inpatient and outpatient medical, surgical and hospital services
- Diagnostic services, including radiology, CAT scan and EKG
- Prescription drug coverage
- Maternity services
- Office visits
- Emergency care
- Rehabilitation care
- Childhood immunizations through age 18
- Therapy services, including physical and occupational, dialysis, chemotherapy and radiation
Health Check Basic may be right for your if you are an individual or family who:
- Is willing to assume a portion of health care cost in exchange for a lower monthly premium
- Visits doctors primarily for annual check-ups
- Requires occasional prescription medication
For more information on Health Check Basic and other available plans, view this Product Guide 
.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Oklahoma family.
Health insurance costs include monthly payments, individual deductibles, drug coverage deductibles, out-of-pocket expenses, copayments, and coinsurance. For the Health Check Basic plan, here’s what you can expect:
- Deductibles ranging from $500 to $7,500
- Copayment of $35 for most office visits
- Inpatient deductible of $500 applies for each occurrence
- Outpatient deductible of $200 applies for each occurrence
- Emergency room deductible of $100 applies for each occurrence; this deductible is waived if admitted to hospital.
- Coinsurance ranging from 20-40 percent of allowable charges
- To view your specific costs, get a quick quote.
Enjoy prescription drug coverage that begins immediately after joining BCBSOK, and most office visit copayments are $35. Plus you gain access to a large network of contracted providers with deductibles as low as $500. Other key features and benefits of included with this plan are:
- Choice of any combination of family members to be covered
- Broad network of contracting doctors, hospitals and health care providers in more than 50 states and 200 countries
- Health Check Basic pays from 60 – 80 percent for most in-network provider services and 50 percent for most out-of-network provider services
- Prescription drug coverage begins immediately at 50 percent of allowable charges when you use an in-network pharmacy
- Qualified non-tobacco users receive preferred member rates
- Benefits for preventive care services covered
- No lifetime maximum
- Access to Blue Care Connection®, a series of services and programs geared towards improving your health
- Benefits are subject to pre-existing condition limitations for covered individuals age 19 and over only
- No benefits will be provided for pre-existing conditions for a period of 12 months after coverage becomes effective. This applies to covered individuals age 19 and over only.
- This provision applies to any condition or any charges relating to a condition existing during the 12 months immediately before the effective date of coverage.
There are a couple of ways that you can customize your Health Check Basic plan, including certain types of add-on coverage and insurance. The following options are available for this plan.
- Health Check Basic offers an option of enrolling with maternity benefits. Coverage must be in effect for at least 365 days or more before benefits are available.
- BlueCare Dental PPO can be added for a few more dollars a month. Key features of this plan include:
- Benefits effective immediately for check-ups, cleanings and other preventive services
- Deductible of $50 per member during benefit period; $150 maximum per family
- Maximum benefit of $1,500 per covered individual
- Plan pays 50 – 100 percent of allowable charges, depending on type of service, at participating dentists
- Plan pays 30 – 70 percent of allowable charges, depending on type of service, at out-of-network dentists
- 20 percent discount for orthodontic services at participating dentists, up to a maximum savings of $1,000
- To learn more about BlueCare Dental PPO, including costs, view the Enrollment Guide above.
- Prescription drug coverage is included with this plan.
- Coinsurance for prescription drugs vary based on plan options you choose.
- You can optionally order your prescription drugs through the mail with our 90-Day Supply Program
- Prescription Drug Utilization/Benefit Management Programs are being added to policies with effective dates on or after 1/1/2012. See Compare Plans Chart for more information.
