Health insurance costs include monthly payments, individual deductibles, drug coverage deductibles, out-of-pocket expenses, copayments, and coinsurance. For the Simply Blue plan, here's what you can expect:

• Deductibles ranging from $1,000 to $10,000
• Copayment of $40 for most office visits
• Inpatient deductible of $500 applies for each occurrence
• Outpatient deductible of $200 applies for each occurrence
• Emergency room deductible of $200 applies for each occurrence; this deductible is waived if admitted to hospital.
• To view your specific costs, view pricing.

Enjoy prescription drug coverage that begins immediately after joining BCBSOK, and most office visit copayments are $40. Plus you gain access to a large network of contracted providers with deductibles as low as $1,000. Other key features and benefits of included with this plan are:

• Broad network of contracting doctors, hospitals and health care providers in more than 50 states and 200 countries
• Simply Blue pays from 70% for most in-network provider services and 50% for most out-of-network provider services
• Prescription drug coverage begins immediately at 50% of allowable charges when you use an in-network pharmacy
• 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 Simply Blue plan, including certain types of add-on coverage and insurance. The following options are available for this plan.

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
• To learn more about BlueCare Dental PPO, including costs, view the Enrollment Guide above.

• Generic Drugs — $10 copayment in network
• Preferred Brand Drugs — 50% coinsurance level in network
• Your benefit plan includes a mail service program that offers you the convenience of having covered maintenance medications delivered directly to you.
• Your out-of-pocket cost for prescription drugs usually is less when you choose generic or preferred .