BlueCHiP Direct
5000/10000
This is the lowest-cost plan that Blue Cross offers in the silver tier. Your primary care provider (PCP) directs most of your care and referrals to other doctors. This plan covers office visits and generic drugs before the deductible, and it uses our local RI network, which includes all Rhode Island hospitals.
- Full coverage for many preventive services, like an annual physical, when you use a doctor in the network
- MedsYourWay® prescription savings program—no coupons or discount cards needed—and all covered prescription purchases accumulate toward your deductible (if applicable) and out-of-pocket maximum.*
- No-cost dental exam and cleaning for members under 19
- Earn up to $250 (both subscriber and spouse) in wellness rewards
- Member discounts with Blue 365 on gyms, nutrition services, fitness trackers, and more health and lifestyle brands
- $0 copays for programs on quitting smoking, weight loss, and managing conditions like diabetes
- This plan uses our RI network, which includes all Rhode Island hospitals, 1,400+ primary care doctors, and over 4,000 specialty doctors
- COMING IN JANUARY 2025: BlueCare Connect, your new online member account, is your front door to everything healthcare
What's covered
See if your doctor is in the network
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Coverage
In-Network You Pay
Medical Coverage
Preventive services
$0
Primary care provider (PCP) office visit when affiliated with a patient-centered medical home (PCMH)
$20
PCP not affiliated with a PCMH
$30
Doctors Online (designated telemedicine provider)
$30
Retail clinic
$50
Specialist visit
$60
Acupuncture treatment
$45 (12 visits per year)
Urgent care center
$75
Emergency room
10% after deductible
Diagnostic laboratory tests
10% after deductible
X-rays
10% after deductible
High-end radiology (MRI, PET, CAT scan, etc.)
10% after deductible
Inpatient hospital
10% after deductible
Pediatric Vision Eyeware (Dependents under 19)
Collection prescription glasses, lenses, and collection contact lenses
10% after deductible
Pediatric Dental (Dependent under 19)
Oral exams, cleanings, X-rays, fluoride treatments, sealants, and space maintainers
$0
All other covered dental services
50% after deductible
Coverage
In-Network You Pay
Tier 1 (Preferred Generic)
$7
Tier 2 (Non-preferred Generic)
$35
Tier 3 (Preferred Brand)
$50 after deductible
Tier 4 (Non-Preferred Brand)
$75 after deductible
Tier 5 (Specialty)
$150 after deductible
*MedsYourWay is not insurance. It is a drug discount program administered by Prime Therapeutics, LLC, an independent company contracted by BCBSRI to provide pharmacy benefit management services. Ask your pharmacy if they participate in MedsYourWay before filling your prescription.