Navigating the landscape of health insurance can be complex, especially when trying to understand different plans and their affiliations. For residents of Minnesota seeking clarity on their healthcare options, a common question arises: is Blue Plus of MN part of Minnesota’s broader health care program? This article aims to clarify the role of Blue Plus within the Minnesota health care system, outlining its network options and the types of plans available to individuals and families.
Blue Plus is indeed a significant component of the health insurance marketplace in Minnesota. It operates as a subsidiary of Blue Cross and Blue Shield of Minnesota, a well-established and reputable health insurance provider in the state. While not a government-run program, Blue Plus offers a range of health insurance plans that are designed to meet the diverse needs of Minnesotans, often participating in the individual and family market created by the Affordable Care Act. Understanding Blue Plus means understanding the network options they provide across different regions of Minnesota. They segment their coverage geographically to offer focused networks, ensuring members can access in-network care within their area.
Blue Plus organizes its provider networks into distinct service areas, each tailored to specific regions of Minnesota. This allows for focused healthcare access within those communities. Here’s a breakdown of the main Blue Plus network directories and their covered counties:
Blue Plus Metro MN Network: Serving the heart of the Twin Cities metropolitan area and surrounding counties, this network includes: Anoka, Brown, Carver, Chisago, Dakota, Hennepin, Isanti, Kanabec, McLeod, Nicollet, Ramsey, Scott, Sherburne, Sibley, Washington, and Wright counties. Individuals and families in this region can choose from plans like the Blue Plus Metro MN Bronze $7750 Plan 459, Blue Plus Metro MN HSA Bronze $8300 Plan 458, Blue Plus Metro MN HSA Silver $3300 Plan 453, and Blue Plus Metro MN Gold Rx Copay $1200 Plan 455.
Blue Plus Southeast MN Network: Focusing on the southeastern part of the state, this network covers: Blue Earth, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, Le Sueur, Martin, Mower, Nicollet, Olmsted, Rice, Steele, Wabasha, Waseca, Watonwan, and Winona counties. Plan options here include Blue Plus Southeast MN HSA Bronze $8300 Plan 470, Blue Plus Southeast MN HSA Silver $3300 Plan 471, Blue Plus Southeast MN Gold Rx Copay $1200 Plan 472, and Easy Compare options like Bronze Blue Plus Southeast MN Plan 474, Silver and Rx Copay Blue Plus Southeast MN Plan 473, and Gold and Rx Copay Blue Plus Southeast MN Plan 475.
Blue Plus Minnesota Value Network: Offering broad coverage across a large swathe of the state, the Minnesota Value Network spans a significant number of counties: Aitkin, Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carlton, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Itasca, Jackson, Kanabec, Kandiyohi, Kittson, Koochiching, Lac Qui Parle, Lake, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, McLeod, Meeker, Mille Lacs, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Pine, Pipestone, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Rock, Roseau, St. Louis, Scott, Sherburne, Sibley, Stearns, Stevens, Swift, Todd, Traverse, Wadena, Washington, Wilkin, Wright, and Yellow Medicine counties. This extensive network provides access to plans like Blue Plus Minnesota Value Bronze $5800 Plan 403, Blue Plus Minnesota Value HSA Bronze $8300 Plan 400, Blue Plus Easy Compare Silver and Rx Copay Blue Plus Minnesota Value Plan 404, and more.
In conclusion, Blue Plus of MN is a vital part of the Minnesota health care program landscape, offering a variety of plans through focused regional networks. While not a government entity, it functions within the regulated health insurance market to provide Minnesotans with essential health coverage options. For individuals and families seeking health insurance in Minnesota, understanding the Blue Plus network options and available plans is a crucial step in making informed decisions about their healthcare. Exploring the specific network directory relevant to your county will help you determine if Blue Plus is the right fit for your health coverage needs.
