Medical for Blue Cross 50%, 60%, 70%, & 80%

You have four different Blue Cross Blue Shield medical options to choose from:

  • 50% option with copays
  • 60% option with a health savings account (HSA)
  • 70% option with copays
  • 80% option with copays

All four Blue Cross Blue Shield plan covers the same services and prescription medications, but the amount you pay when you receive services and the amount you pay in contributions depends on the option you choose.

Some areas of the country also have an HMO option available. This information will display for you during enrollment if you are eligible. See the “Other Medical Carriers” page for more details.

Important Medical Benefit Definitions

Annual Deductible

The amount you pay for covered health care expenses before the plan begins to pay


A flat dollar amount that you pay for certain doctor’s office visits and prescriptions


The amount you pay for covered health care after you meet your deductible

Out of Pocket

A cap or limit on the amount of money you pay for covered health care services in a plan year

Well360 Clarity Team

If you enroll in a Blue Cross 50%, 60%, 70%, or 80% medical option, your plan includes the Well360 Clarity team, your single point of contact for everything related to your health care and prescription drug benefits.

Your Well360 Clarity Advocate is just a phone call away, ready to:

  • Help you resolve claim problems and billing issues
  • Find providers and schedule services
  • Precertify you for services to make sure you are covered
  • Listen to your concerns and offer guidance on living a healthier life

The Well360 Clarity team helps you understand and get the greatest value from your medical and prescription drug benefits. The Well360 Clarity Advocate can help you connect or shop with Healthcare Bluebook to save money or put you in touch with Included Health if you want an expert medical opinion or need treatment decision support.


The BeneficityTM App

Access all that your Well360 Clarity team has to offer by downloading the Beneficity app.

Visit or watch this video for more information.

Prescription Drugs

Your prescription drug coverage is administered by Express Scripts.

Express Scripts

This list provides examples of commonly prescribed preventive medications that do not apply to the deductible for the 60% plan.

Pharmacy Benefits

Just as your medical plan covers visits to your doctor, your Express Scripts prescription plan covers the medication your doctor prescribes.

National Preferred Formulary

The following is a list of the most commonly used prescribed drugs.

Healthcare Bluebook

HealthCare Bluebook is a tool to compare quality ratings for facilities and to search for fair prices for common medical services and procedures out of health care and it can save you hundreds of thousands of dollars in and out of pocket costs.

You will earn cash rewards every time you (or a covered family member) shops for select procedures and uses a Fair PriceSM (green) facility for your care.

HealthCare Bluebook will also save money because your deductible and/or coinsurance will be calculated from the lower-cost provider price. You’ll save hundreds of thousands of dollars on medical procedures by choosing Fair PriceSM facilities for your care.

Watch a 90-Second Video to Learn More

Included Health

Your expert medical opinion resource

Access an expert opinion from medical experts who specialize in your condition and will help you make informed decisions about your medical care and treatment. This is provided by AutoNation at no cost to you.

Play Video


WINFertility offers family-building benefit solutions. From fertility management, including medical treatment, pharmacy, genetics, surrogacy, and adoption, their mission is to help build families by providing access to the best doctors, technology, and support.

See the Family Planning page for more details.

Sword Virtual Physical Therapy

Using a tablet and wearable sensors, you can connect virtually with physical therapists to get real-time feedback and guidance. And it’s available at zero cost to you and your dependents through Blue Cross 50%, 60%, 70%, and 80% plans.