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Mountain State Blue Cross Blue Shield Health Insurance

Mountain State Blue Cross Blue Shield is the only BCBS company operating in West Virginia. Since it was founded in 1932, MSBCBS has grown to provide coverage for more than 400,000 residents of West Virginia as well as over 800 employees. MSBCBS offers health insurance products to individuals, families, and small and large employer groups. Its business philosophy is to provide solid coverage at a resonable cost.

Competing Carriers

Mountain State Blue Cross Blue Shield health insurance quotes are available in the following states

West Virginia

Mountain State Blue Cross Blue Shield health plans

SuperBlue Plus -This plan is a preferred provider organization (PPO) with annual deductible options that range from $500 to $5,000 for individuals and $1,000 to $10,000 for families. In network office visits are subject to a $25 copay and emergency care is subject to a $100 ER copay. Prescription drugs are provided through a preferred pharmacy network and subject to 50% coinsurance with no deductibles.

Limited Benefit Plan -This plan has an annual deductible of $250 for individuals and $500 for families. The lifetime maxiumum benefit is unlimited and the annual maxiumum benefit is $25,000 per covered person. Primary Care Physician office visits are subject to a $15 copay per office visit and specialist visits are subject to $30 per office visits. Prescription drugs are provided through a preferred pharmacy network and generic drugs are subject to a 50% copay.

High Deductible Health Plans -There are two deductible options for HDHPs:

  • HDHP Direct Pay $3,000/$6,000 - This plan has an annual deductible of $3,000 for individuals and $6,000 for families with a lifetime maxiumum benefit of $2,000,000 per covered person. The first $300 of preventive care services such as annual gynecological exam, routine Pap smear and routine HPV testing are paid at 100% then subject to deductible and 100% thereafter. Prescription drugs are subject to deductible then 50%.
  • HDHP Direct Pay $5,000/$10,000 - This plan has an annual deductible of $5,000 for individuals and $10,000 for families with a lifetime maxiumum benefit of $2,000,000 per covered person. The first $300 of preventive care services such as annual gynecological exam, routine Pap smear, and routine HPV testing are paid at 100% then subject to deductible and 100% thereafter. Prescription drugs are subject to deductible then 50%.