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 Insurance
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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. Go Blue: Choice of 4 deductibles with one drug coverage option 1d. Simply Blue: Choice of 3 deductibles with 2 drug coverage choices 1e. 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 offers health plans for Individuals and for Families. 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. All deductibles listed are per person, even for multiple-person policies. See the Brochure below for rates. Personal Blue 80/20 with Copay
Personal Blue 80/20 with Copay offers two deductible choices, and features a $50 copay per doctor visit and a $10 copay for formulary generic prescriptions. After the deductible is met, you pay 20% for covered services. Individual Deductibles: $1,000 & $3,000 Family Deductibles: $3,000 & $9,000 Personal Blue 80/20 without Copay
Personal Blue 80 offers four deductible choices. After the deductible is met, you pay 20% for covered services. There is a $10 copay for formulary generic drugs.
Individual Deductibles: 1,500, $2,500, $3,500, $4,500 Family Deductibles: $4,500, $7,500, $10,500, & $13,500
Personal Blue 100
Personal Blue 100 has four deductible choices. After the deductible is met, covered services are paid at 100 percent. Individual Deductibles: $4,000, $7,500, $10,000, $15,000 Family Deductibles: $12,000, $22,500, $30,000, & $45,000 Personal Blue Brochure with Rates 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. 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 offers individual and family deductible options. See the Brochure below for rates. Options Blue 80/20: (You pay 20% after the deductible on covered services) Individual Deductibles: $1,300 and $2,000.
Family Deductibles: $2,600 and $4,000.
Options Blue 100: (Covered services are paid at 100% after the deductible is met) Individual Deductibles: $2,500, $3,500, $4,500, and $5,800.
Family Deductibles: $5,000, $7,000, $9,000, and $11,600. Options Blue Brochure & Rates Options Blue Application Health Savings Account Brochure jim@jimstephan.com for all questions Request a Quote 1c. Go Blue Go Blue is permanent medical insurance combined with some drug coverage. Go Blue offers four deductible options and copays for office visits and generic drugs. Go Blue offers a 100% plan, which means that covered services are paid by Blue Cross 100% after you meet the annual deductible. Go Blue does not cover Maternity, Labor, Delivery, Post-Delivery Care, and Maternity Complications. See the Brochure below for rates. Individual Deductibles: $4,000, $5,500, $7,500, & $10,000 Go Blue Brochure & Rates (deductibles shown are per person) Go Blue Application jim@jimstephan.com for all questions Request a Quote
1d. Simply Blue
Simply Blue is permanent medical insurance combined with some drug coverage. Simply Blue offers three deductible options and copays for office visits and generic drugs. Simply Blue offers a 100% plan, which means that covered services are paid by Blue Cross 100% after you meet the annual deductible. Simply Blue does not cover Maternity, Labor, Delivery, Post-Delivery Care, and Maternity Complications. Rx Option 1
$5 copay on generics, $50 copay on formulary brand drugs, and a $90 copay on non-formulary brand drugs. Rx Option 2
$10 copay on generics, you pay 100% for formulary brand drugs, no coverage for non-formulary brand drugs. See the Brochure below for rates. Individual Deductibles: $3,000, $6,000, and $9,000 Simply Blue Brochure & Rates (deductibles shown are per person) Simply Blue Application jim@jimstephan.com for all questions Request a Quote 1e. 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. InstaCare does not cover Maternity, Labor, Post-Delivery Care, or Maternity Complications. See the Brochure below for rates. Individual Deductibles: $300, $500, and $1,000 Family Deductibles: $900, $1,500, & $9,000 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.
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