Blue Choice Platinum for Business - 46944AL0280001 Health Insurance Plan
Blue Cross and Blue Shield of Alabama health insurance plan with the Plan ID 46944AL0280001. The plan is called Blue Choice Platinum for Business.
Based on the data of Health Plan Issuer, this plan has an actuarial value of 90.81% (the percentage of total average costs for covered benefits that a plan will cover). So, on average, you would be responsible for 9.19% of the costs of all covered benefits (according to the Issuer).
| Health Insurance Plan ID | 46944AL0280001 | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Health Insurance Plan Year | 2025 | ||||||||||||||||||
| State | Alabama | ||||||||||||||||||
| Health Insurance Issuer | Blue Cross and Blue Shield of Alabama | ||||||||||||||||||
| Plan Formulary Description URL | Formulary URL | ||||||||||||||||||
| Plan Marketing Materials URL | Marketing URL | ||||||||||||||||||
| Health Insurance Plan Variant | 46944AL0280001-00 | ||||||||||||||||||
| Provider Network(s) | TIER-ONE | ||||||||||||||||||
| In Network Doctors
*The data available in our database based on Health Insurance Company Open Data (update: Tue, 16 Sep 2025 15:17 GMT). |
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| Available Variants of the Health Plan | |||||||||||||||||||
| Last Plan Update Date | Tue, 25 Mar 2025 00:00 GMT | ||||||||||||||||||
| Last Import Date | Tue, 16 Sep 2025 15:17 GMT |
Benefits of Blue Choice Platinum for Business Health Insurance Plan, 46944AL0280001-00
| Benefit | Covered | In Network | Out Of Network |
|---|---|---|---|
| Abortion for Which Public Funding is Prohibited
Exclusions: nan nan |
NO | ||
| Accidental Dental
Exclusions: nan nan |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Acupuncture
Exclusions: nan nan |
NO | ||
| Allergy Testing
Exclusions: nan nan |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Bariatric Surgery
Limit: 1.0 Procedure(s) per Lifetime Exclusions: nan Limited to Bariatric Surgery Network |
YES | 20.00% |
100.00% |
| Basic Dental Care - Adult
Exclusions: nan nan |
NO | ||
| Basic Dental Care - Child
Exclusions: nan Benefits are available up to the end of the month in which the member turns 19. |
YES | 20.00% |
100.00% |
| Chemotherapy
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Chiropractic Care
Limit: 15.0 Visit(s) per Year Exclusions: nan nan |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Cosmetic Surgery
Exclusions: nan nan |
NO | ||
| Delivery and All Inpatient Services for Maternity Care
Exclusions: nan nan |
YES | $150.00 |
$300.00, 20.00% |
| Dental Check-Up for Children
Limit: 2.0 Visit(s) per Year Exclusions: nan Benefits are available up to the end of the month in which the member turns 19. |
YES | No Charge |
100.00% |
| Diabetes Education
Limit: 10.0 Hours per Year Exclusions: nan Limited to 2 hours per year after initial 12-month educational period. |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Dialysis
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Durable Medical Equipment
Exclusions: nan nan |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Emergency Room Services
Exclusions: nan nan |
YES | $150.00 |
$150.00 |
| Emergency Transportation/Ambulance
Exclusions: nan nan |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Eye Glasses for Children
Limit: 1.0 Item(s) per Year Exclusions: nan Benefits are available up to the end of the month in which the member turns 19. |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Gender Affirming Care
Exclusions: Excludes services deemed as cosmetic. nan |
YES | $150.00 |
$300.00, 20.00% |
| Generic Drugs
Exclusions: nan Up to a 90-day supply |
YES | $10.00 |
100.00% |
| Habilitation Services
Limit: 30.0 Visit(s) per Year Exclusions: nan Combined maximum visits for Occupational, Physical and Speech therapy |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Hearing Aids
Exclusions: nan nan |
NO | ||
| Home Health Care Services
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Hospice Services
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs)
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Infertility Treatment
Exclusions: Excludes Assisted Reproductive Technology nan |
YES | $30.00 |
20.00% Coinsurance after deductible |
| Infusion Therapy
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay)
Exclusions: nan nan |
YES | $150.00 Copay per Day |
$300.00 Copay per Stay, 20.00% |
| Inpatient Physician and Surgical Services
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Laboratory Outpatient and Professional Services
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Long-Term/Custodial Nursing Home Care
Exclusions: nan nan |
NO | ||
| Major Dental Care - Adult
Exclusions: nan nan |
NO | ||
| Major Dental Care - Child
Exclusions: nan Benefits are available up to the end of the month in which the member turns 19. |
YES | 50.00% Coinsurance after deductible |
100.00% |
| Mental/Behavioral Health Inpatient Services
Exclusions: nan nan |
YES | No Charge |
20.00% |
| Mental/Behavioral Health Outpatient Services
Exclusions: nan nan |
YES | $30.00 |
50.00% Coinsurance after deductible |
| Non-Preferred Brand Drugs
Exclusions: nan Up to a 90-day supply |
YES | $75.00 |
100.00% |
| Nutritional Counseling
Limit: 6.0 Hours per Year Exclusions: nan nan |
YES | $20.00 |
20.00% Coinsurance after deductible |
| Orthodontia - Adult
Exclusions: nan nan |
NO | ||
| Orthodontia - Child
Exclusions: nan Benefits are available up to the end of the month in which the member turns 19. |
YES | 50.00% Coinsurance after deductible |
100.00% |
| Other Practitioner Office Visit (Nurse, Physician Assistant)
Exclusions: nan nan |
YES | $20.00 |
20.00% Coinsurance after deductible |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
Exclusions: nan nan |
YES | $150.00 |
20.00% Coinsurance after deductible |
| Outpatient Rehabilitation Services
Limit: 30.0 Visit(s) per Year Exclusions: nan Combined maximum visits for Occupational, Physical and Speech therapy |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Preferred Brand Drugs
Exclusions: nan Up to a 90-day supply; Covered insulins limited to a $99 member cost share per 30-day supply |
YES | $35.00 |
100.00% |
| Prenatal and Postnatal Care
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Preventive Care/Screening/Immunization
Exclusions: nan nan |
YES | No Charge |
100.00% |
| Primary Care Visit to Treat an Injury or Illness
Exclusions: nan nan |
YES | $20.00 |
20.00% Coinsurance after deductible |
| Private-Duty Nursing
Exclusions: nan nan |
NO | ||
| Prosthetic Devices
Exclusions: nan nan |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Radiation
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Reconstructive Surgery
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy
Limit: 30.0 Visit(s) per Year Exclusions: nan Combined maximum visits for Occupational, Physical and Speech therapy |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Rehabilitative Speech Therapy
Limit: 30.0 Visit(s) per Year Exclusions: nan Combined maximum visits for Occupational, Physical and Speech therapy |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Routine Dental Services (Adult)
Exclusions: nan nan |
NO | ||
| Routine Eye Exam (Adult)
Limit: 75.0 Dollars per Year Exclusions: nan Includes eye exam and refraction for members age 19 and over. |
YES | No Charge |
100.00% |
| Routine Eye Exam for Children
Limit: 1.0 Visit(s) per Year Exclusions: nan Benefits are available up to the end of the month in which the member turns 19. |
YES | 20.00% Coinsurance after deductible |
100.00% |
| Routine Foot Care
Exclusions: nan nan |
NO | ||
| Skilled Nursing Facility
Exclusions: nan nan |
NO | ||
| Specialist Visit
Exclusions: nan nan |
YES | $30.00 |
20.00% Coinsurance after deductible |
| Specialty Drugs
Exclusions: nan Up to a 30-day supply |
YES | $100.00 |
100.00% |
| Substance Abuse Disorder Inpatient Services
Exclusions: nan nan |
YES | No Charge |
20.00% |
| Substance Abuse Disorder Outpatient Services
Exclusions: nan nan |
YES | $30.00 |
50.00% Coinsurance after deductible |
| Transplant
Exclusions: nan Limited to Blue Distinction Centers for Transplant Network |
YES | No Charge |
100.00% |
| Treatment for Temporomandibular Joint Disorders
Exclusions: Dental-related services Limited to Phase I services |
YES | 20.00% Coinsurance after deductible |
20.00% Coinsurance after deductible |
| Urgent Care Centers or Facilities
Exclusions: nan nan |
YES | $20.00 |
20.00% Coinsurance after deductible |
| Weight Loss Programs
Exclusions: nan nan |
NO | ||
| Well Baby Visits and Care
Exclusions: nan nan |
YES | No Charge |
100.00% |
| X-rays and Diagnostic Imaging
Exclusions: nan nan |
YES | No Charge |
20.00% Coinsurance after deductible |
Blue Choice Platinum for Business Health Insurance Plan Variant 46944AL0280001-00 Attributes
| Plan Attribute | Value |
|---|---|
| Begin Primary Care Cost-Sharing After Number Of Visits | 0 |
| Begin Primary Care Deductible Coinsurance After Number Of Copays | 0 |
| Business Year | 2025 |
| Child-Only Offering | Allows Adult and Child-Only |
| Composite Rating Offered | Yes |
| CSR Variation Type | Standard Platinum Off Exchange Plan |
| Dental Only Plan | No |
| Disease Management Programs Offered | Asthma, Diabetes, Heart Disease, Pregnancy |
| First Tier Utilization | 100% |
| Formulary ID | ALF002 |
| Formulary URL | URL |
| HIOS Product ID | 46944AL028 |
| HSA/HRA Employer Contribution | No |
| Import Date | 2025-03-25 02:01:59 |
| Inpatient Copayment Maximum Days | 5 |
| HSA Eligible | No |
| New/Existing Plan | Existing |
| Notice Required for Pregnancy | No |
| Is a Referral Required for Specialist? | No |
| Issuer Actuarial Value | 90.81% |
| Issuer ID | 46944 |
| Issuer Marketplace Marketing Name | Blue Cross and Blue Shield of Alabama |
| Market Coverage | SHOP (Small Group) |
| Medical Drug Deductibles Integrated | Yes |
| Medical Drug Maximum Out of Pocket Integrated | Yes |
| Metal Level | Platinum |
| Multiple In Network Tiers | No |
| National Network | Yes |
| Network ID | ALN004 |
| Out of Country Coverage | Yes |
| Out of Country Coverage Description | If a PPO provider is used, same benefits as PPO in country apply. If non-PPO provider is used, member is responsible for filing claims and out-of-network benefits would be applicable. |
| Out of Service Area Coverage | Yes |
| Out of Service Area Coverage Description | If a PPO provider is used, same benefits as PPO in service area apply. If non-PPO provider is used, member may be responsible for filing claims and out-of-network benefits would be applicable. |
| Plan Brochure | URL |
| Plan Effective Date | 2025-01-01 |
| Plan ID (Standard Component ID with Variant) | 46944AL0280001-00 |
| Plan Marketing Name | Blue Choice Platinum for Business |
| Plan Type | PPO |
| Plan Variant Marketing Name | Blue Choice Platinum for Business |
| QHP/Non QHP | Both |
| SBC Scenario, Having a Baby, Coinsurance | $0 |
| SBC Scenario, Having a Baby, Copayment | $300 |
| SBC Scenario, Having a Baby, Deductible | $0 |
| SBC Scenario, Having a Baby, Limit | $60 |
| SBC Scenario, Having Diabetes, Coinsurance | $10 |
| SBC Scenario, Having Diabetes, Copayment | $500 |
| SBC Scenario, Having Diabetes, Deductible | $100 |
| SBC Scenario, Having Diabetes, Limit | $40 |
| SBC Scenario, Treatment of a Simple Fracture, Coinsurance | $300 |
| SBC Scenario, Treatment of a Simple Fracture, Copayment | $200 |
| SBC Scenario, Treatment of a Simple Fracture, Deductible | $100 |
| SBC Scenario, Treatment of a Simple Fracture, Limit | $0 |
| Service Area ID | ALS003 |
| Source Name | HIOS |
| Plan ID | 46944AL0280001 |
| State Code | AL |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group | per group not applicable |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person | per person not applicable |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual | Not Applicable |
| Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group | per group not applicable |
| Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person | per person not applicable |
| Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual | Not Applicable |
| Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance | 20.00% |
| Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group | $200 per group |
| Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person | $100 per person |
| Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual | $100 |
| Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group | $200 per group |
| Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person | $100 per person |
| Combined Medical and Drug EHB Deductible, Out of Network, Individual | $100 |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group | $8000 per group |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person | $4000 per person |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual | $4,000 |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group | per group not applicable |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person | per person not applicable |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual | Not Applicable |
| Unique Plan Design | Yes |
| URL for Enrollment Payment | URL |
| URL for Summary of Benefits & Coverage | URL |
| Wellness Program Offered | Yes |
Copay & Coinsurance of Blue Choice Platinum for Business Health Insurance Plan, 46944AL0280001
| Drug Tier | Pharmacy Type | Copay amount | Copay option | Coinsurance rate | Coinsurance option | Mail Order |
|---|
Frequently Asked Questions(FAQ) about Blue Choice Platinum for Business, 46944AL0280001 Health Insurance Plan, 46944AL0280001
-
Does Blue Choice Platinum for Business Health Insurance Plan, 46944AL0280001 support Mail Ordering?
Unfortunately, this health insurance plan does not support mail ordering or the plan data in not available.
Does (46944AL0280001) Health Insurance Plan, Variant (46944AL0280001-00) offer Disease Management Programs?
Does (46944AL0280001) Health Insurance Plan, Variant (46944AL0280001-00) have Out Of Country Coverage?
Does (46944AL0280001) Health Insurance Plan, Variant (46944AL0280001-00) have Out of Service Area Coverage?
Does (46944AL0280001) Health Insurance Plan, Variant (46944AL0280001-00) offer Disease Management Programs?
Does Blue Choice Platinum for Business Health Insurance Plan, Variant (46944AL0280001-00) offer Disease Management Programs for Asthma?
Does Blue Choice Platinum for Business Health Insurance Plan, Variant (46944AL0280001-00) offer Disease Management Programs for Heart disease?
Does Blue Choice Platinum for Business Health Insurance Plan, Variant (46944AL0280001-00) offer Disease Management Programs for Diabetes?
Does Blue Choice Platinum for Business Health Insurance Plan, Variant (46944AL0280001-00) offer Disease Management Programs for Pregnancy?
Disclaimer: This is based on the import(Date: Tue, 16 Sep 2025 15:17 GMT) of the data from Healthcare Issuers listed by CMS. While we make every effort to ensure that data is accurate, you should assume all results are unvalidated. Source: CMS.gov, HealthPorta HEALTHCARE MRF API