Alabama health plan · 2025

Blue Saver Gold for Business · 46944AL0760001

Blue Cross and Blue Shield of Alabama offers this marketplace health insurance plan (Plan ID 46944AL0760001) 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: Gold Plan type: PPO CSR: Standard Gold On Exchange Plan Issuer: Blue Cross and Blue Shield of Alabama
Telehealth Data pending HSA eligible No Dental Child Vision Child
Pay / Manage Plan View issuer site

Issuer actuarial value: 78.29%. Expect to pay roughly 21.71% of covered costs out of pocket, based on issuer reporting.

2025 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

$256 – $1247

Before subsidies

Estimate after subsidies

Deductible

$2,500

$5000 per group

See deductible details

Max out-of-pocket

$6,750

$13500 per group

Review MOOP rules

Office visits

Primary care $35.00
Specialist $60.00
HSA Not eligible

Drug tiers

Generic $10.00
Preferred brand $50.00

View formulary tiers

$374 / mo before subsidies

≈ $4491 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.

$1197 / mo before subsidies

≈ $14360 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.

$1534 / mo before subsidies

≈ $18407 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.

$912 / mo before subsidies

≈ $10939 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

$300.00

Durable Medical Equipment

20.00% Coinsurance after deductible

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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 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 Gold 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

$300.00

Durable Medical Equipment

20.00% 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 46944AL0760001
Coverage year 2025
State Alabama
Issuer Blue Cross and Blue Shield of Alabama
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 46944AL0760001-01
Available variants

Standard Off Exchange Plan · 46944AL0760001-00

Standard On Exchange Plan · 46944AL0760001-01
Last plan update Tue, 25 Mar 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)

['ALN004']

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 46944AL0760001 · 2025 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 46944AL0760001-01 (Standard On Exchange Plan) currently displayed.
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Benefits

Covered services & limitations

Everyday care

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

Chiropractic Care

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 15.0 Visit(s) per Year

nan

Exclusions: nan

Diabetes Education

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 10.0 Hours per Year

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

Exclusions: nan

Home Health Care Services

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Laboratory Outpatient and Professional Services

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Other Practitioner Office Visit (Nurse, Physician Assistant)

$35.00
Tier 1 in-network $35.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Preventive Care/Screening/Immunization

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

nan

Exclusions: nan

Primary Care Visit to Treat an Injury or Illness

$35.00
Tier 1 in-network $35.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Rehabilitative Occupational and Rehabilitative Physical Therapy

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Exclusions: nan

Rehabilitative Speech Therapy

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Exclusions: nan

Specialist Visit

$60.00
Tier 1 in-network $60.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Urgent Care Centers or Facilities

$35.00
Tier 1 in-network $35.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

X-rays and Diagnostic Imaging

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Delivery and All Inpatient Services for Maternity Care

$300.00
Tier 1 in-network $300.00
Tier 2 in-network $600.00
Out-of-network $1,000.00, 20.00%

nan

Exclusions: nan

Dialysis

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Durable Medical Equipment

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Emergency Room Services

$300.00
Tier 1 in-network $300.00
Out-of-network $300.00

nan

Exclusions: nan

Emergency Transportation/Ambulance

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Hospice Services

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

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

$300.00 Copay per Day
Tier 1 in-network $300.00 Copay per Day
Tier 2 in-network $600.00 Copay per Day
Out-of-network $1000.00 Copay per Stay, 20.00%

nan

Exclusions: nan

Inpatient Physician and Surgical Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Mental/Behavioral Health Inpatient Services

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00%

nan

Exclusions: nan

Mental/Behavioral Health Outpatient Services

$60.00
Tier 1 in-network $60.00
Out-of-network 50.00% Coinsurance after deductible

nan

Exclusions: nan

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

$300.00
Tier 1 in-network $300.00
Tier 2 in-network $600.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Outpatient Rehabilitation Services

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Exclusions: nan

Outpatient Surgery Physician/Surgical Services

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Radiation

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Skilled Nursing Facility

Coverage details pending

nan

Exclusions: nan

Substance Abuse Disorder Inpatient Services

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00%

nan

Exclusions: nan

Substance Abuse Disorder Outpatient Services

$60.00
Tier 1 in-network $60.00
Out-of-network 50.00% Coinsurance after deductible

nan

Exclusions: nan

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

Exclusions: nan

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

20.00%
Tier 1 in-network 20.00%
Out-of-network 100.00%

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

Exclusions: nan

Hearing Aids

Coverage details pending

nan

Exclusions: nan

Major Dental Care - Child

50.00% Coinsurance after deductible
Tier 1 in-network 50.00% Coinsurance after deductible
Out-of-network 100.00%

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

Exclusions: nan

Prenatal and Postnatal Care

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Routine Eye Exam for Children

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% 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.

Exclusions: nan

Well Baby Visits and Care

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

nan

Exclusions: nan

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$10.00
Tier 1 in-network $10.00
Out-of-network 100.00%

Up to a 90-day supply

Exclusions: nan

Non-Preferred Brand Drugs

$90.00
Tier 1 in-network $90.00
Out-of-network 100.00%

Up to a 90-day supply

Exclusions: nan

Preferred Brand Drugs

$50.00
Tier 1 in-network $50.00
Out-of-network 100.00%

Up to a 90-day supply; Covered insulins limited to a $99 member cost share per 30-day supply

Exclusions: nan

Specialty Drugs

$200.00
Tier 1 in-network $200.00
Out-of-network 100.00%

Up to a 30-day supply

Exclusions: nan

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Basic Dental Care - Adult

Coverage details pending

nan

Exclusions: nan

Dental Check-Up for Children

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
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.

Exclusions: nan

Infusion Therapy

No Charge, No Charge
Tier 1 in-network No Charge, No Charge
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Major Dental Care - Adult

Coverage details pending

nan

Exclusions: nan

Nutritional Counseling

$35.00
Tier 1 in-network $35.00
Out-of-network 20.00% Coinsurance after deductible

Limit: 6.0 Hours per Year

nan

Exclusions: nan

Orthodontia - Adult

Coverage details pending

nan

Exclusions: nan

Orthodontia - Child

50.00% Coinsurance after deductible
Tier 1 in-network 50.00% Coinsurance after deductible
Out-of-network 100.00%

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

Exclusions: nan

Prosthetic Devices

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Routine Dental Services (Adult)

Coverage details pending

nan

Exclusions: nan

Weight Loss Programs

Coverage details pending

nan

Exclusions: nan

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

nan

Exclusions: nan

Acupuncture

Coverage details pending

nan

Exclusions: nan

Allergy Testing

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Bariatric Surgery

Coverage details pending

nan

Exclusions: nan

Cosmetic Surgery

Coverage details pending

nan

Exclusions: nan

Eye Glasses for Children

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% 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.

Exclusions: nan

Gender Affirming Care

$300.00
Tier 1 in-network $300.00
Tier 2 in-network $600.00
Out-of-network $1,000.00, 20.00%

nan

Exclusions: Excludes services deemed as cosmetic.

Habilitation Services

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Combined maximum visits for Occupational, Physical and Speech therapy

Exclusions: nan

Imaging (CT/PET Scans, MRIs)

$300.00
Tier 1 in-network $300.00
Tier 2 in-network $600.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Infertility Treatment

$60.00
Tier 1 in-network $60.00
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: Excludes Assisted Reproductive Technology

Long-Term/Custodial Nursing Home Care

Coverage details pending

nan

Exclusions: nan

Private-Duty Nursing

Coverage details pending

nan

Exclusions: nan

Reconstructive Surgery

0.00% Coinsurance after deductible
Tier 1 in-network 0.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

nan

Exclusions: nan

Routine Eye Exam (Adult)

Coverage details pending

nan

Exclusions: nan

Routine Foot Care

Coverage details pending

nan

Exclusions: nan

Treatment for Temporomandibular Joint Disorders

20.00% Coinsurance after deductible
Tier 1 in-network 20.00% Coinsurance after deductible
Out-of-network 20.00% Coinsurance after deductible

Limited to Phase I services

Exclusions: Dental related services

Variant attributes

Blue Saver Gold for Business · Variant 46944AL0760001-01

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

Standard Gold On Exchange Plan

HIOS Product ID

46944AL076

Metal Level

Gold

Plan ID (Standard Component ID with Variant)

46944AL0760001-01

Plan Marketing Name

Blue Saver Gold for Business

Plan Variant Marketing Name

Blue Saver Gold for Business

Issuer & service area

Issuer-provided metadata for this variant.

Issuer Actuarial Value

78.29%

Issuer ID

46944

Issuer Marketplace Marketing Name

Blue Cross and Blue Shield of Alabama

Market Coverage

SHOP (Small Group)

Multiple In Network Tiers

Yes

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 provier is used, member may be responsible for filing claims and out-of-network benefits would be applicable.

Service Area ID

ALS003

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

0

Inpatient Copayment Maximum Days

5

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

$600

SBC Scenario, Having a Baby, Deductible

$2,500

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$600

SBC Scenario, Having Diabetes, Deductible

$200

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$400

SBC Scenario, Treatment of a Simple Fracture, Deductible

$1,900

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

20.00%

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Default Coinsurance

20.00%

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

$13500 per group

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

$6750 per person

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

$6,750

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Family Per Group

$13500 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Family Per Person

$6750 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Individual

$6,750

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

ALF001

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

Yes

Dental Only Plan

No

Disease Management Programs Offered

Asthma, Diabetes, Heart Disease, Pregnancy

First Tier Utilization

98%

HSA/HRA Employer Contribution

No

Import Date

2025-03-25 02:01:59

HSA Eligible

No

New/Existing Plan

Existing

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Plan Effective Date

2025-01-01

Plan Type

PPO

QHP/Non QHP

Both

Second Tier Utilization

2%

Source Name

HIOS

Plan ID

46944AL0760001

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

$5000 per group

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

$2500 per person

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

$2,500

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Family Per Group

$5000 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Family Per Person

$2500 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Individual

$2,500

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

$5000 per group

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

$2500 per person

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

$2,500

Unique Plan Design

Yes

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 Saver Gold for Business (46944AL0760001) is a Gold PPO from Blue Cross and Blue Shield of Alabama in Alabama for the 2025 coverage year.

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

Does Blue Saver Gold for Business 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 Saver Gold for Business HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental add-ons: Child.

Vision add-ons: Child.

Does Blue Saver Gold for Business 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 Saver Gold for Business?

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

Is there out-of-country coverage for Blue Saver Gold for Business?

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 non-PPO provider is used, member is responsible for filing claims and out-of-network benefits would be applicable.

Does Blue Saver Gold for Business 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 non-PPO provier is used, member may be responsible for filing claims and out-of-network benefits would be applicable.

How do I enroll in or manage payments for Blue Saver Gold for Business?

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.
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