|
 Insurance
Resource Center
Table of Contents:
1. Health Insurance
1a. Personal Blue: Major medical plan with a variety of deductibles
1b. Options Blue: A High Deductible Health Plan with an optional Health Savings Account (HSA) plan
1c. Simply Blue: Choice of deductibles with some up-front benefits
1d. InstaCare: Temporary health insurance
2. Life Insurance
2a. Term Insurance
2b. Permanent Life
3. Long Term Care Insurance
1. Health Insurance Programs
Blue Cross and Blue Shield of Minnesota plans Personal Blue and Options Blue both offer a choice between two Networks of doctors and hospitals: the Accord Network (includes Olmsted Medical) and the Aware Network (includes Mayo, Olmsted Medical, Rochester Methodist, St. Marys, and Hazelden). The Simply Blue plan offers only the Accord Network.
Request a Health Quote
1a. Personal Blue
Personal Blue offers both 80/20 and 100% plans of permanent major medical insurance and 10 different deductible choices. Maternity, Labor, Delivery, Post-Delivery Care, and Maternity Complications are not covered for the first 18 months of the policy with Personal Blue.
Personal Blue 80/20 with Copay
Personal Blue 80 with Copay offers two of the lowest deductibles ($1,000 and $3,000). It features $200 per person in first-dollar coverage for preventive care, a $5 copay for formulary generic prescriptions, and a copay arrangement for office visits and retail health clinic visits.
Personal Blue 80/20 without Copay
Personal Blue 80 offers four deductible choices ($1,500, $2,500, $3,500, $4,500). Benefits are similar to Personal Blue 80 with Copay, including the $200 in first-dollar preventive care per person, but office visits are subject to the deductible.
Personal Blue 100
Personal Blue 100 has four deductible choices ($4,000, $7,500, $10,000, $15,000). After the deductible is met, covered services are paid at 100 percent. Personal Blue 100 does not include $200 in preventive care.
Personal Blue Brochure
Personal Blue Rates (deductibles shown are per person)
Personal Blue Application
jim@jimstephan.com for all questions
Request a Quote
1b. Options Blue
Options Blue is permanent, comprehensive major medical insurance that qualifies as a High Deductible Health Plan (HDHP) that is Health Savings Account (HSA)-compatible. Maternity, Labor, Delivery, Post-Delivery Care, and Maternity Complications are not covered for the first 18 months of the policy for Options Blue.
Options Blue offers five deductible options ($1,300 and $2,000 for the 80/20% plans and $2,500, $3,500, $4,500, and $5,800 for the 100% plans). Options Blue 80/20 and Options Blue 100 plans both come standard with a $300 preventive care benefit. The Health Savings Account (HSA) brochure below includes IRS-mandated annual contribution limits and a list of qualified medical expenses that can be reimbursed from your HSA account. There is no minimum requirement for your beginning deposit.
Options Blue Brochure
Options Blue Rates
Options Blue Application
Health Savings Account Brochure
jim@jimstephan.com for all questions
Request a Quote
1c. Simply Blue
Simply Blue is permanent medical insurance that is targeted toward young adults and early retirees, i.e., Simply Blue does not offer family coverage, only individual per-person coverage. This plan offers some up-front benefit but has higher overall deductibles. Simply Blue offers five deductible options ($4,000 and $8,000 under the Simply Blue 80/20 plan, and $5,000, $7,500, and $10,000 under the Simply Blue 100 plan).Simply Blue does not cover Maternity, Labor, Delivery, Post-Delivery Care, and Maternity Complications. Simply Blue offers only the Accord Network of providers, which includes Olmsted Medical but does not include the Mayo Clinic.
Simply Blue 80/20%
Simply Blue 80/20 pays covered services at 80% after the deductible is met. This plan includes $300 up-front coverage for office visits and $5 copay for formulary generic drugs. Individuals also receive $250 up-front coverage for preventive care.
Simply Blue 100%
Simply Blue 100 includes $500 up-front coverage for office visits and a $5 copay for formulary generic drugs. Individuals also receive $250 up-front coverage for preventive care. After the deductible is met, covered services are paid at 100 percent.
Simply Blue Brochure & Rates (deductibles shown are per person)
Simply Blue Application
jim@jimstephan.com for all questions
Request a Quote
1d. InstaCare
InstaCare is temporary insurance offered at 30-, 60-, and 90-day intervals and can be renewed for a limited time only. InstaCare can be approved quickly (usually within 48 hours of receipt of application) and offers three deductible choices for Individuals ($300, $500, and $1,000), as well as three deductible choices for family coverage ($900, $1,500, and $3,000). InstaCare does not cover Maternity, Labor, Post-Delivery Care, or Maternity Complications.
InstaCare Brochure & Rates
InstaCare Application
jim@jimstephan.com for all questions
Request a Quote
Healthcare Plans information provided by James E. Stephan, Representative of Blue Cross and Blue Shield of Minnesota. Securities America companies are not affiliated with Blue Cross and Blue Shield of Minnesota.
2. Life Insurance
2a. Term Insurance
We compare a variety of of top-rated term insurance companies to offer you the best rates available for your estimated health level. We can quote you 15-year, 20-year, 25-year, or 30-year terms with level premium rates. Let Jim help you re-shop your insurance to see if we can help you save money.
jim@jimstephan.com for all questions
Request a Term Insurance Quote
2b. Permanent Insurance
We can build a permanent life insurance program to accomplish various death benefits and/or estate plans, to include: Whole Life, Universal Life, and Variable Universal Life. Let Jim help you re-shop your insurance to see if we can help you save money.
jim@jimstephan.com for all questions
Request a Permanent Insurance Quote
Securities America companies are not affiliated with any other insurance company.
3. Long Term Care Insurance
Long Term Care insurance can help protect your assets and help maintain your financial freedom in the event of a long term care event. This insurance can give you the options necessary to receive quality long term care and services.
Call Jim to review the new Minnesota state Partnership Plans. These state plans can protect your family's financial assets and personal assets when written properly. Call or email Jim Stephan to review new or re-shop old plans.
jim@jimstephan.com for all questions
Request a Long Term Care Quote
Securities America companies are not affiliated with any other insurance company.
|
