Experience. Wellness. Everywhere.

Health Check Basic

An affordable option in health care coverage    

Here's some things you need to know about Health Check Basic coverage (and if you get confused on any of the insurance terms, just view our simple health insurance definitions at the bottom of the page). Need more information? You can download this Health Check brochure to learn more about your affordable coverage options.

Deductible options $500; $1,000; $2,500; $5,000

Provider networks and coinsurance amounts
Most covered services are paid at the following amounts after you meet your annual deductible.

 Blue Preferred® PPO, 80%        
Blue Choice® PPO, 70%
Blue Traditional®, 60%
Out-of-network, 50%
Doctor’s office copayment $35 for most visits, not subject to deductible
Prescription drug coverage  Begins immediately after 50% of allowable charges, when you use a network pharmacy. If you spend more than $20,000 in one year on prescriptions, Health Check Basic will reimburse 100% of allowable charges for the rest of the calendar year.
Inpatient deductible
Used when you have to stay in the hospital.		 $500 each time
Emergency room deductible $100 each time; but, if you are admitted to the hospital for treatment, this fee is waived.
Outpatient deductible
For surgeries that don’t happen inside a hospital.		 $200 each time

Find out what your Health Check Basic coverage might cost with an instant rate quote.

 There are lots of easy ways to apply for Health Check Basic coverage.

You can also e-mail our marketing department to learn more about Health Check Basic coverage.

Health insurance definitions

Coinsurance – a percentage of the allowable charges for which the member is responsible for payment.
Deductible – a specified amount of covered services an individual must incur before Blue Cross and Blue Shield of Oklahoma will start to pay its share of the remaining covered services.
Copayment – a fixed dollar amount required to be paid by or on behalf of a member/subscriber in connection with the delivery of some covered services.
PPO (Preferred Provider Organization) – a network of health care providers with which Blue Cross and Blue Shield of Oklahoma has negotiated contracts for its insured population to receive health services at discounted costs. Health care decisions generally remain with the patient as he or she selects providers and determines his or her own need for services. Members have financial incentives to select providers within the PPO network.

Have some additional questions? Give us a call. We’re ready to help you.
1-866-303-BLUE

Monthly premiums for Health Check are deducted automatically from from participating Oklahoma banks, credit unions or savings and loans. For a list of participating financial institutions, click here.