Premium Rates
To determine your personal health insurance rate, select the plan and deductible option, number of people, and your age (or your spouse's age, if he or she is younger) from the pull down menus below and your rate quote will automatically appear in the boxes labeled preferred rate and standard rate. The standard rate is for persons who smoke or have chronic or severe health conditions. Non-smokers with no chronic or severe health conditions may receive the preferred rate.
About the premium rates
Rates represent the cost of one month of coverage. Members are billed quarterly in February, May, August and November. These rates are good until November 20, 2010. The age categories are based on the age of the named subscriber, the person whose name appears at the top of the application for coverage.
Preferred rates are for healthy, non-smokers. If you smoke or have preexisting chronic or severe health conditions, you may be denied coverage, or, if accepted, assigned a standard rate which is higher than the preferred rate. Blue Cross Blue Shield of Michigan medical underwriters will determine which rate you are assigned based on your medical history.
Family continuation rider (F-Rider) rates
F-Rider refers to a family continuation rider; a child who is over the age of 19 but still a dependent of their parents. To qualify as an F-rider, a dependent must be:
- Unmarried.
- Between the ages of 19 and 25.
- Dependent on you for more than half of his/her support.
- A member of your household.
- Related to you by blood, marriage or adoption.
- A full-time student for at least five months of the year OR had a gross income of less than four times the personal exemption amount identified by the IRS Gross Income Test.
The F-rider rate is an additional charge that is added on to the other family members' rate.
