Our Individual Health Insurance Plans in Virginia:
Anthem BCBS VA offers three KeyCare PPO (Preferred Provider Organization) options for individual health coverage for you and your family which include:
All our Anthem KeyCare Health plans are Preferred Provider Organizations (PPO’s) so that you can lower your health care costs by using providers (doctors, hospitals, medical centers, clinics etc.) in the Anthem BCBS PPO network – which includes 85% of doctors and physicians in Virginia. Plus there are no gatekeepers so you never need a referral, regardless of whether you use a provider inside or outside the network. You can also choose to stay with your current provider even if that provider is outside the network (although you will share more of the cost).
Essential KeyCare – Basic, solid, affordable!
Our Essential KeyCare plan is our lowest cost, most economic coverage for protection against the high cost of unexpected medical expenses. This budget friendly plan is well suited for the individual or family who wants the assurance and peace of mind that a medical emergency will not totally wipe out their savings and exhaust their resources. Essential KeyCare offers our lowest premium options and provides coverage before deductible for three (3) doctor visits per year at a $30.00 co-payment, for sick or routine wellness care – the choice is yours! It also provides coverage on generic prescriptions (after a separate deductible).
You choose your deductible amount and your maximum out of pocket amount. This is basic and affordable protection for you and your family that covers the essentials. You can enjoy the cost savings of a PPO network without paying for additional coverage that you may not need in your present circumstances. This plan offers the opportunity to select only those optional coverages that you truly need (such as dental coverage, or well baby care and immunizations) – or none at all.
KeyCare Flexible Choice – Sensible, Flexible.
Our cost effective, sensible KeyCare Flexible choice plan is designed to move with you through the ever changing needs of your life. This plan provides more comprehensive coverage before the deductible than our Essential plan and also offers the choice of additional benefits (maternity coverage, dental coverage, well baby care, or supplemental accident coverage) that you can add or remove (at a change in cost) to suit your ever changing needs. This way you don’t pay for coverage that you don’t actually want or need.
You have the flexibility to choose your deductible, your maximum out of pocket expense and even your co-payment amount for doctor’s visits. It also offers prescription drug benefits for generic and brand name medications before deductible. You have access to our extensive PPO network and like all our KeyCare plans, your doctor usually fills out the paperwork and files the claims, saving you time and hassle. And as always, no referrals needed, ever!
KeyCare Preferred – Top of the Line!
Our Anthem KeyCare Preferred Plan is our most comprehensive coverage offering before deductible coverage benefits on unlimited doctor visits, some routine tests and screenings, preventive and well care, and even coverage on brand name prescription medications. This plan also covers well baby/child care and immunizations and preventive dental care. You pay a predictable $20.00 co-payment for a primary care physician visit and a $30.00 co-payment for a specialist.
You can choose your deductible and your co-insurance amounts as well as your maximum out of pocket expense should the unforeseen emergency arise. This plan is ideal for the growing family looking for the kind of coverage that will best serve the needs of the entire family, as well as offering the kind of genuine peace of mind that is vital to your family’s security.
Short Option Health Coverage
If you are in need of health care protection for just a short period of time (perhaps you just graduated from school, are between jobs or are waiting for eligibility in your current employer’s group health plan), our Short Option Coverage is the perfect choice for you. With 30, 60, 90, and 180 day plans your can get just the right coverage for your needs. It is a straight 80/20 plan (you pay 20%) with a one time deductible and a one time premium (the 180 day option allows splitting cost into 2 payments).
It is an easy and affordable way to fill in any short term gaps in your health care coverage.
Individual Dental Plan
Anthem BCBS is proud to offer Individual Dental, a comprehensive dental plan that provides preventive, restorative and complex dental benefits, and gives you the option of a cost saving network of dental providers.
So whether you are self-employed, retired, can’t get dental coverage through your employer or would like dental benefits in addition to your Anthem Medicare Supplement, we think Individual Dental will give you something to smile about!
Medical costs are at an all-time high, so we’re always looking for innovative ways to make individual health care accessible to more Virginians. Anthem Blue Cross Blue Shield of Virginia is dedicated to bringing quality, comprehensive healthcare coverage at an affordable rate to residents of Virginia. Blue Cross & Blue Shield VA offers members access to the long-established BlueCross BlueShield network, with outstanding customer service and care in their own backyard.
