Is the Anthem Blue Cross Smart Sense Health Insurance Plan Right For You?

There is a plan by Anthem Blue Cross, that I would recommend to almost anyone, this is the "Smart Sense Plan." The Smart Sense plan is a newer PPO plan to Blue Cross that gives you a lot of different options to choose from. The plan is great for anyone at any age and the rates are very competitive with great coverages and lower Co-Pay limits then most PPO plans.

There are 8 different ways you can get the Smart Sense Plan. There are 4 different deductibles available from $5,000 to as low as $500 deductibles. Then, you can also choice if you want to have Full Drug coverage which includes both Brand and Generic Drugs or you can put just Generic drugs on your plan which usually saves you at least $20 a month.

Before you meet your deductible with the Smart Sense Plan you can have up to 3 off visits at $30. After you reach your 3 visits you will be paying 30% of the negotiated rate for the office visits. All other services you will pay 30% after your deductible is met. Services include Hospitalization, ER, Lab Work and X-Rays.

The coverage that I feel is the most important is the CO-Pay Limit or sometimes called the Stop-Loss. The Co-Pay limit is the most you spend in one year on all medical bills, every Health Insurance Policy has one. Once you reach your CO-Pay limit Anthem Blue Cross will pay 100% of your medical bills. Your CO-Pay limit restarts each calendar year.

Your CO-Pay limit with the Anthem Blue Cross Smart Sense Plans is $2,500 plus your deductible. You typically do not see a PPO plan with a Stop-Loss as low as $3,000 on other PPO Medical Plans. You usually see them more with HMO plans, which is a huge advantage. However, it is very important to know that the Smart Sense Plan does not have maternity coverage, so if you are pregnant or thinking about getting pregnant within the next few years, this plan is not for you.