How are Drugs Rx reimbursed under the Bronze Plan (Blue Shield)?
What is the Bronze Deductible, with Blue Shield?
The Calendar Year Pharmacy Deductible is the amount a Member must pay each Calendar Year for covered Drugs before Blue Shield begins payment in accordance with the Evidence of Coverage and Health Service Agreement. The Calendar Year Pharmacy Deductible does not apply to all plans. When it does apply, this Deductible accrues to the Calendar Year Out-of Pocket Maximum. There is an individual deductible within the Family Calendar Year Pharmacy Deductible. Information specific to the Member’s plan is provided in the Summary of Benefits.
The Summary of Benefits indicates whether or not the Calendar Year Pharmacy Deductible applies to a particular Drug
If I went to Silver plan,
I pay an extra $120/mo in premium but save $700/mo in prescriptions, rather than
100% up to OOP with bronze plan
Charge no more than up to $250 per month for one 30-day supply for Silver 70, Gold 80 and Platinum 90 plan members and no more than up to $500 per 30-day supply for Bronze 60 plan members. These costs apply to Tier 4 (specialty drugs). Drugs in lower tiers have lower costs. AB 339 Gordon * CAPG.org * Keenan.com *
It’s all a function of the Medical Loss Ratio. Insurance Companies must pay out 80% of all the premiums they take in in claims and can keep 20% for expenses, profit and overhead.
What is Medical Necessity?
A service is “medically necessary” or a “medical necessity” when it is reasonable and necessary to protect life, to prevent significant illness or significant disability, or to alleviate severe pain. (2014 ACA Sample EOC Page 166) * Our webpage on Medical Necessity * CA WIC §14059.5
If any of the screenshots are blurry or too small for you to read, just click on them to enlarge or to view on the source document
Please note, we were asked this question in 2018. Things change every year. Thus, we took down some of the graphics. Use the links to find the most current information!
Click here to get a quote/proposal for your personal situation, including subsidies.
How does the Blue Shield Matrix (Summary of Benefits – Evidence of Coverage) Explain it?
Covered CA Explanation from Metal Level Comparison Chart
The explanation of Rx in the Evidence of Cvoerage is quite extensive, click here to view. We’ve added yellow highlights and bookmarks.
Our other webpages on Rx
- Bronze Plan – How are Drugs Reimbursed?
- Is my prescription on the formulary – approved list?
Related Pages inSection