The health coverage you get with Bronze, Silver, Gold and Platinum plans is essentially the same. The difference is how much you pay each month as an upfront cost. A lower monthly payment (Bronze) usually means a higher cost when you go to a doctor. A higher monthly payment (Platinum) generally means you pay less for each visit to the doctor.

The Essential Plan costs $0 a month if you’re eligible but offers the same benefits as other health plans. It has no deductible, so the plan starts paying for your care right away. You also get free preventive care like routine doctor exams and screenings to keep you healthy.

Blue Choice Option and HMOBlue Option are Medicaid programs sponsored by New York State. They provide free or low-cost health insurance, if you’re eligible. With these plans, you have a Primary Care Provider (PCP) who gives you most of your care at little or no cost. You also have access to a large network of other doctors, urgent care centers, hospitals and specialists, when needed.

Many children up to age 19 qualify for this free or low cost health insurance coverage from Excellus BCBS. No family earns too much to enroll if they meet the eligibility requirements. With access to a large network of doctors, hospitals and pharmacies, we have kids covered.

Our dental plans include coverage for preventive services like cleanings, fluoride treatments and sealants, and routine services such as exams, x-rays and fillings. They also have coverage for more comprehensive care like select crowns and root canals.

Medicare is the federal health insurance program for people who are 65 or older. It also covers younger people with certain disabilities and illnesses. Our Medicare plans offer high-quality coverage, a large provider network and local support.

You can typically only buy, change, or renew your individual or family plan between November 16 and January 31, unless you experience certain life events. However, you can enroll in Medicaid, Child Health Plus, or the Essential Plan at any time during the year, if you are eligible.

You may able to buy or change your health insurance coverage outside the annual Open Enrollment Period, if you experience certain qualifying life events. Examples include having a baby, getting married or divorced, moving from one service area to another, or losing coverage from your employer. These events qualify you for a Special Enrollment Period. In most cases, you have 60 days to enroll in a plan when you qualify for a Special Enrollment Period.

Enjoy the convenience of filling your prescriptions by phone or online and having them delivered right to your home. Save up to 33% and order up to a 90-day supply of medication at one time.

Telemedicine, powered by MDLIVE^®, lets you see a board-certified doctor by phone or video on your schedule, anytime, anywhere.

Stay healthy and reduce your risk for certain illnesses with free preventive care services including routine checkups, shots and screenings. Our plans also give you access to tools and programs for weight management, fitness and more.

Available with our Qualified Health Plans, BlueCard gives you access to a nationwide network of doctors and hospitals when you travel. Emergency care is also covered anywhere in the world.

Enjoy the convenience of filling your prescriptions by phone or online and having them delivered right to your home. Save up to 33% and order up to a 90-day supply of medication at one time.

Our licensed clinical pharmacists are available to answer medication-related questions from you or your physician.

When you need a prescription, you may be able to cut down on your health care costs by choosing a generic drug. Generic drugs are safe, effective, and approved by the FDA. They just cost you less.

The cost of prescription drugs varies widely, even for medications used to treat the same condition. Our medication guide was developed to help you and your doctor select lower cost options that are just as effective and can save you money.