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Magnolia Local Plus

Overview

The Magnolia Local Plus plan offers comprehensive coverage with a focus on predictability and access to a broad network of providers. Here are the key features:

Nationwide In-Network Providers

Access Blue Cross and Blue Shield's extensive network of In-Network providers across the country. There is no out-of-network coverage with this plan, except in the event of an emergency.

Predictable Costs

Enjoy the consistency of copays for healthcare services instead of relying on employer funding to cover out-of-pocket expenses.

Emergency Coverage

Out-of-Network care is covered only in emergencies, with the possibility of balance billing for any costs not covered by the insurance.

Provider Access

Visit the LABlue website to easily view and select from their network providers.

The Magnolia Local Plus plan is designed for those who prefer predictable copays and broad access to In-Network providers, ensuring comprehensive care with manageable costs.

Actives & Non-Medicare Retirees (retirement date ON or AFTER 3-1-2015) Employee Only Employee + 1 Employee + 2 or more
Deductible (In-Network) $400 $800 $1,200
Deductible (Out-of-Network) No coverage No coverage No coverage
Out-of-pocket max (In-Network) $3,500 $6,000 $8,500
Out-of-pocket max (Out-of-Network) No coverage No coverage No coverage
Copay (In-Network) PCP/SPC3 $25 / $50 $25 / $50 $25 / $50
Non-Medicare Retirees BEFORE 3-1-2015 Employee Only Employee + 1 Employee + 2 or more
Deductible (In-Network) $0 $0 $0
Deductible (Out-of-Network) No coverage No coverage No coverage
Out-of-pocket max (In-Network) $2,000 $3,000 $4,000
Out-of-pocket max (Out-of-Network) No coverage No coverage No coverage
Copay (In-Network) PCP/SPC3 $25 / $50 $25 / $50 $25 / $50

Pharmacy Benefits

OGB uses a Formulary to help members select the most appropriate, lowest-cost options. The Formulary is reviewed regularly to reassess drug tiers based on the current prescription drug market. Members will continue to pay a portion of the cost of their prescriptions in the form of a copay or coinsurance. The amount members pay toward their prescription depends on whether or not they receive a generic, preferred, non-preferred, or specialty brand drug.

*Member responsibility is for a prescription drug benefit of up to a 31-day supply.
Tier Member Responsibility*
Generic 50% up to $30
Preferred 50% up to $55
Non-Preferred 65% up to $80
Specialty 50% up to $80
After the out-of-pocket threshold amount of $1,500 is met by you and/or your covered dependent(s):
Generic $0 copay
Preferred $20 copay
Non-Preferred $40 copay
Specialty $40 copay

Contact Information

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