Alabama health plan · 2026

Blue Protect · 46944AL0470001

Blue Cross and Blue Shield of Alabama offers this marketplace health insurance plan (Plan ID 46944AL0470001) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Catastrophic Plan type: PPO CSR: Standard Catastrophic On Exchange Plan Issuer: Blue Cross and Blue Shield of Alabama
Telehealth Data pending HSA eligible Yes Dental Child Vision Child
Pay / Manage Plan View issuer site

2026 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$189 – $1026

Before subsidies

Estimate after subsidies

Deductible

$10,600

$21200 per group

See deductible details

Max out-of-pocket

$10,600

$21200 per group

Review MOOP rules

Office visits

Primary care 0.00% Coinsurance after deductible
Specialist 0.00% Coinsurance after deductible
HSA Eligible

Drug tiers

Generic 0.00% Coinsurance after deductible
Preferred brand 0.00% Coinsurance after deductible

View formulary tiers

$328 / mo before subsidies

≈ $3938 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1040 / mo before subsidies

≈ $12483 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$1225 / mo before subsidies

≈ $14695 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$835 / mo before subsidies

≈ $10019 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

No Charge, No Charge

Emergency Room Services

0.00% Coinsurance after deductible

Durable Medical Equipment

0.00% Coinsurance after deductible

Advertisement

Enrollment guidance

Stay on top of 2026 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Alabama). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard Catastrophic On Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

No Charge, No Charge

Emergency Room Services

0.00% Coinsurance after deductible

Durable Medical Equipment

0.00% Coinsurance after deductible

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 46944AL0470001
Coverage year 2026
State Alabama
Issuer Blue Cross and Blue Shield of Alabama
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 46944AL0470001-01
Available variants

Standard Off Exchange Plan · 46944AL0470001-00

Standard On Exchange Plan · 46944AL0470001-01
Last plan update Thu, 30 Oct 2025 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Alabama N/A
PCPs in Alabama N/A
Telehealth support Data pending
Nationwide providers N/A
N/A doctors statewide N/A PCPs N/A OB/GYN

Provider network(s)

['ALN001']

Providers Alabama All US states
All N/A N/A
PCP N/A N/A
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

0 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Prior authorization Drugs
Required 0
Not Required 0
Step therapy Drugs
Required 0
Not Required 0
Quantity limits Drugs
Has Limit 0
No Limit 0

Customer highlights

What stands out for members

  • Issuer: Blue Cross and Blue Shield of Alabama · Plan ID 46944AL0470001 · 2026 filing.
  • Disease management programs available: Asthma, Diabetes, Heart Disease, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 46944AL0470001-01 (Standard On Exchange Plan) currently displayed.
Advertisement

Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limit: 15.0 Visit(s) per Year

Diabetes Education

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limit: 10.0 Hours per Year

Limited to 2 hours per year after initial 12-month educational period.

Home Health Care Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Laboratory Outpatient and Professional Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Other Practitioner Office Visit (Nurse, Physician Assistant)

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Preventive Care/Screening/Immunization

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 100.00%

Primary Care Visit to Treat an Injury or Illness

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

$50 copay applies to first 3 illness-related visits per member

Rehabilitative Occupational and Rehabilitative Physical Therapy

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Rehabilitative Speech Therapy

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Specialist Visit

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Urgent Care Centers or Facilities

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

X-rays and Diagnostic Imaging

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Delivery and All Inpatient Services for Maternity Care

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Dialysis

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Durable Medical Equipment

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Emergency Room Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 0.00% Coinsurance after deductible

Emergency Transportation/Ambulance

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 0.00% Coinsurance after deductible

Hospice Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Inpatient Hospital Services (e.g., Hospital Stay)

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Inpatient Physician and Surgical Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Mental/Behavioral Health Inpatient Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Mental/Behavioral Health Outpatient Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Outpatient Rehabilitation Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Outpatient Surgery Physician/Surgical Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Radiation

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Skilled Nursing Facility

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Substance Abuse Disorder Inpatient Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Substance Abuse Disorder Outpatient Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Transplant

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Limited to Blue Distinction Centers for Transplant Network

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Benefits are available up to the end of the month in which the member turns 19.

Hearing Aids

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Major Dental Care - Child

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Benefits are available up to the end of the month in which the member turns 19.

Prenatal and Postnatal Care

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Routine Eye Exam for Children

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Limit: 1.0 Visit(s) per Year

Benefits are available up to the end of the month in which the member turns 19.

Well Baby Visits and Care

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 100.00%

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Up to a 90-day supply

Non-Preferred Brand Drugs

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Up to a 90-day supply

Preferred Brand Drugs

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Up to a 90-day supply

Specialty Drugs

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Up to a 30-day supply

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Basic Dental Care - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Dental Check-Up for Children

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Limit: 2.0 Visit(s) per Year

Benefits are available up to the end of the month in which the member turns 19.

Infusion Therapy

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Major Dental Care - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Nutritional Counseling

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Orthodontia - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Orthodontia - Child

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 100.00%

Benefits are available up to the end of the month in which the member turns 19.

Prosthetic Devices

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Routine Dental Services (Adult)

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Weight Loss Programs

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Acupuncture

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Allergy Testing

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Bariatric Surgery

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Cosmetic Surgery

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Eye Glasses for Children

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 0.00% Coinsurance after deductible

Limit: 1.0 Item(s) per Year

Benefits are available up to the end of the month in which the member turns 19.

Habilitation Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Imaging (CT/PET Scans, MRIs)

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Infertility Treatment

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Exclusions: Excludes Assisted Reproductive Technology

Long-Term/Custodial Nursing Home Care

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Private-Duty Nursing

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Reconstructive Surgery

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Routine Eye Exam (Adult)

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Routine Foot Care

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Treatment for Temporomandibular Joint Disorders

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 50.00% Coinsurance after deductible

Limited to Phase I services

Exclusions: Excludes Phase II dental related services

Variant attributes

Blue Protect · Variant 46944AL0470001-01

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2026

CSR Variation Type

Standard Catastrophic On Exchange Plan

HIOS Product ID

46944AL047

Metal Level

Catastrophic

Plan ID (Standard Component ID with Variant)

46944AL0470001-01

Plan Marketing Name

Blue Protect

Plan Variant Marketing Name

Blue Protect

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

46944

Issuer Marketplace Marketing Name

Blue Cross and Blue Shield of Alabama

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

Yes

Network ID

ALN001

Out of Country Coverage

Yes

Out of Country Coverage Description

If a PPO provider is used, same benefits as PPO in country apply. If a 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 a non-PPO provider is used, member may be responsible for claims filing and out-of-network benefits would be applicable.

Service Area ID

ALS001

State Code

AL

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

3

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$0

SBC Scenario, Having a Baby, Copayment

$0

SBC Scenario, Having a Baby, Deductible

$10,600

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$200

SBC Scenario, Having Diabetes, Deductible

$5,000

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$0

SBC Scenario, Treatment of a Simple Fracture, Deductible

$2,800

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, In Network (Tier 1), Default Coinsurance

0.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$21200 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$10600 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$10,600

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

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

ALF012

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$40

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Diabetes, Heart Disease, Pregnancy

EHB Percent of Total Premium

1

First Tier Utilization

100%

Import Date

10/30/2025

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

Yes

New/Existing Plan

Existing

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Plan Effective Date

1/1/2026

Plan Type

PPO

QHP/Non QHP

Both

Source Name

HIOS

Plan ID

46944AL0470001

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), Family Per Group

$21200 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$10600 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$10,600

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

$42400 per group

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

$21200 per person

Combined Medical and Drug EHB Deductible, Out of Network, Individual

$21,200

Unique Plan Design

No

Wellness Program Offered

Yes

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Alabama?

Blue Protect (46944AL0470001) is a Catastrophic PPO from Blue Cross and Blue Shield of Alabama in Alabama for the 2026 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Blue Protect support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Blue Protect HSA-eligible and does it include dental or vision coverage?

It is HSA-eligible, so you can pair it with a Health Savings Account to lower taxes.

Dental add-ons: Child.

Vision add-ons: Child.

Does Blue Protect support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Blue Protect?

The issuer lists disease management resources for: Asthma, Diabetes, Heart Disease, Pregnancy.

Is there out-of-country coverage for Blue Protect?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: If a PPO provider is used, same benefits as PPO in country apply. If a non-PPO provider is used, member is responsible for filing claims and out-of-network benefits would be applicable.

Does Blue Protect cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: If a PPO provider is used, same benefits as PPO in service area apply. If a non-PPO provider is used, member may be responsible for claims filing and out-of-network benefits would be applicable.

How do I enroll in or manage payments for Blue Protect?

Use the issuer portal https://sso.bcbsal.org/sp/ACS.saml2 to pay premiums or start enrollment, then return to HealthPorta for benefit comparisons.

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
Issuer profile More plans
Open comparison tray

Add at least two plans to launch side-by-side comparisons.