Anthem Blue Cross and Blue Shield - Plan Descriptions
Anthem Blue Cross and Blue Shield is the largest health insurance company in the state with over 5.5 million members. They offer health plans that can be customized for individuals, children, and families that include consumer-driven plans, Health Savings Accounts, and short-term medical plans. The different plans are described below
Blue Access Plan 2
| Blue Access Plan 2 |
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Our Rating: 
Blue Access Plan 2 provides the most extensive benefits of any individual health insurance plan offered by Anthem Blue Cross and Blue Shield of Colorado. It features a high level of benefits usually found only in employer-sponsored group health plans. Blue Access Plan 2 Plan highlights include:
| BA Plan 2 Deductibles |
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- Blue Access PPO network
- $25 office visit copayment
- Prescription drug co-payment card for generic and brand name drugs (deductible waived)
- Optional maternity coverage
- $5,000,000 lifetime maximum
Blue Access Plan 2 is the only individual plan with a $0 deductible option offered by Anthem Blue Cross and Blue Shield.
Blue Access Plan 3
| Blue Access Plan 3 |
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Our Rating: 
Blue Access Plan 3 uses the same PPO network and has the same prescription drug benefits as Blue Access Plan 2, but is designed much differently. Unlike Blue Access Plan 2, Blue Access Plan 3 does not offer optional maternity benefits. It provides identical benefits to Blue Access Plan 2 with 3 DIFFERENCES:
| BA Plan 3 Deductibles |
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- Blue Access PPO network
- 100% benefits after deductible
- Preventive care for adults and children
- Prescription drug co-payment card for generic and brand name drugs (deductible waived)
- $5,000,000 lifetime maximum
Blue Access Plan 1
| Blue Access Plan 1 |
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Our Rating: 
Although the Blue Access Plan 1 name implies it is the best plan available, it is actually a lower cost alternative to Blue Access Plans 2 and 3.
Blue Access Plan 1 highlights include:
| BA Plan 1 Deductibles |
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- Blue Access PPO network
- More competitive pricing
- Preventive care for adults and children
- $15 presciption co-payment for generic drugs, brand name drugs are not covered.
- $5,000,000 lifetime maximum
Blue Access Economy Plan
| Economy Plan |
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Our Rating: 
The Blue Access Economy Plan is a watered-down version of Blue Access Plan 2 with cost-sharing features and limitations that bring the cost down about 20% from Plan 2. Plan highlights include:
There are only 2 major differences than the BlueValue plan:| Economy Plan Deductibles |
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- Limited $30 office visit co-pay benefit (3 visits per year)
- Blue Access PPO Network
- $15 presciption co-payment for generic drugs, $500 annual maximum Rx benefit (brand name drugs not covered)
- $5,000,000 lifetime maximum
The Blue Access Economy Plan does NOT cover:
- Preventive Care
- Mental health or substance abuse benefits
- Brand name drugs
Blue Access Value Plan
| Blue Access Value Plan |
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Our Rating:
The Blue Access Value Plan is Anthem's least expensive PPO plan, but provides more comprehensive benefits than the Economy Plan. The Blue Access Value Plan costs less because it has much higher deductibles.
The Blue Access Value Plan highlights include:
| Blue Access Value Deductibles |
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- Limited $30 office visit co-pay benefit (3 visits per year)
- Blue Access PPO Network
- Presciption co-payments for generic and brand name drugs ($500 combined annual maximum Rx benefit)
- $5,000,000 lifetime maximum
- Preventive care for adults (does not include preventive care for children)
- Mental health and substance abuse benefits