Anthem Blue Cross and Blue Shield HealthChoice

At your expense you may choose to purchase an optional major medical coverage, to supplement the Basic Student Health Insurance Plan.  The major medical coverage is underwritten by Anthem Blue Cross and Blue Shield.  The monthly premiums for the available major medical supplements are listed in the chart below. (You should refer to the supplement, Plan A, B, or C, with a deductible closest to the maximum benefit on your Basic Student Health Insurance Plan.)  The two plans, (The Basic Student Health Insurance Plan and Anthem Blue Cross and Blue Shield HealthChoice), combined will provide students with a more comprehensive health insurance coverage.  The Anthem Blue Cross plan is a separate coverage which begins paying benefits for most covered services after the calendar year deductible has been met.  Covered services are paid based on a percentage of the Anthem Blue Cross and Blue Shield schedule of maximum allowance.  The Anthem Blue Cross and Blue Shield policy is the secondary payer after all other insurance in force.

Please be aware that it is possible to have a gap in coverage between the Student plan and the Anthem Blue Cross and Blue Shield plan.  Due to different claims payment methods by the two carriers involved, it is possible to exhaust your coverage under the Student plan and still not have yet met the deductible for the Anthem Blue Cross and Blue Shield plan.

Also, under the Anthem Blue Cross and Blue Shield plan, pre-existing conditions are excluded for 12 months for any conditions or diseases that existed before the effective date of coverage, or for any complications or treatments arising form these pre-existing conditions or diseases (unless you have had health coverage within the three months preceding your enrollment in this coverage).  If you have had coverage within three months of enrolling in HealthChoice and pre-existing conditions had been excluded under that prior coverage, then Anthem Blue Cross and Blue Shield may exclude these pre-existing conditions until the total period of exclusion under both contracts equals 12 months.  This pre-existing condition language also applies to the Student Health Insurance plan.

**These rates are subject to change according to Anthem Blue Cross and Blue Shield filings with the State of Maine Bureau of Insurance.

For enrollment information and questions regarding the Anthem Blue Cross and Blue Shield HealthChoice plan, please contact The Cross Insurance Agency either by sending an email or by calling 1-800-537-6444.