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Coverage Levels

Understanding the differences between coverage levels is the first step to finding the right plan.

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  • Available in Gold and Silver plans
  • Covers six primary care office visits at a low copay per visit
  • Gives you access to certain drugs for chronic disease treatment at a lower or no cost copay. See drug list »
  • Lower or no cost for certain lab services to monitor and treat chronic diseases, such as diabetes, hypertension, coronary artery disease, chronic heart failure and asthma.

A good option if you have a chronic disease or health problem which is best controlled by regular visits to your doctor and appropriate drug therapy, and you would like to maintain the best health possible with the least impact to your out-of-pocket costs.

Gold Plans

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  • Plan pays, on average, 80% of your healthcare expenses while you pay 20%
  • Monthly premium is generally higher than Silver plans
  • Lower deductible than Silver plans
  • Lower out-of-pocket costs than Silver plans when you receive medical care

Silver Plans

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  • Plan pays, on average, 70% of your healthcare expenses while you pay 30%
  • Monthly premium is generally higher than Bronze plans
  • Moderate deductible
  • Moderate out-of-pocket costs when you receive medical care

Bronze Plans

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  • Plan pays, on average, 60% of your healthcare expenses while you pay 40%
  • Monthly premium is generally lower than Silver plans
  • Higher deductible generally than Silver plans
  • Higher out-of-pocket costs than Silver plans when you receive medical care

Catastrophic Plan

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  • For individuals younger than 30 or those eligible for a hardship exemption
  • Plan pays, on average, less than 60% of your healthcare expenses while you pay the rest
  • Monthly premium is generally lower than Bronze plans
  • Highest deductible
  • Highest out-of-pocket costs when you receive medical care

BlueSelect is a Qualified Health Plan (QHP) which meets the requirements of the Affordable Care Act. Blue Cross Blue Shield of Wyoming is a QHP issuer in the Health Insurance Marketplace.

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