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Magnolia Open Access

Overview

The Magnolia Open Access Plan offers flexible coverage with both In-Network and Out-of-Network options.

Nationwide Coverage

Access to Blue Cross and Blue Shield’s nationwide network of providers, offering flexibility for members who live out of state or travel frequently.

Cost Structure

  • In-Network Care: Pay 10% of the allowable amount after meeting the deductible
  • Out-of-Network Care: Pay 30% of the allowable amount after meeting the deductible, with the potential for balance billing

Provider Access

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

The Magnolia Open Access Plan is ideal for members who value extensive network access and flexibility, especially those who may need care while traveling or living out of state.

Actives & Non-Medicare Retirees ON or AFTER 3-1-2015 Employee Only Employee + 1 Employee + 2 or more
Deductible (In-Network) $900 $1,800 $2,700
Deductible (Out-of-Network) $900 $1,800 $2,700
Out-of-pocket max (In-Network) $3,500 $6,000 $8,500
Out-of-pocket max (Out-of-Network) $4,700 $8,500 $12,250
Coinsurance (In-Network) 10% 10% 10%
Coinsurance (Out-of-Network) 30% 30% 30%
Non-Medicare Retirees BEFORE 3-1-2015 Employee Only Employee + 1 Employee + 2 or more
Deductible (In-Network) $300 $600 $900
Deductible (Out-of-Network) $300 $600 $900
Out-of-pocket max (In-Network) $2,300 $3,600 $4,900
Out-of-pocket max (Out-of-Network) $4,300 $7,600 $10,900
Coinsurance (In-Network) 10% 10% 10%
Coinsurance (Out-of-Network) 30% 30% 30%

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

Resources / Forms

MagnoliaOpenAccessPlanAScheduleOfBenefits202