Overview

The Blue Cross Blue Shield (BCBS) Plan offers both in- and out-of-network benefits. It is an "open access" plan which means that you do not have to select a primary care physician and, if you need to see a specialist, you can do so without a referral. The BCBS Plan is offered to employees who have access to at least two primary care physicians within 15 miles of their home or office location address.

For a high-level overview of coverage, refer to the BCBS plan overview.

Additional Details

Comprehensive information about this benefit plan is contained within the Medical Benefit Plan Summary (PDF). In addition, below is some important information about this plan:

• If you are a Virtual Office employee, your home address is used to determine your access.
  
  
• If you are a resident of Hawaii, the only available health plan is Health Plan 200. Additional information on Health Plan 200 is included in the Hawaii Medical Plan Summary (PDF).
  
  
• Please review the Blue Cross Blue Shield Plan Summary Plan Description (PDF) for detailed information concerning the plan.
  
  
• If you have any questions about coverage at retirement, contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378.

Eligibility

You are eligible to participate if you are a regular status, salaried employee of Travelers scheduled to work at least 20 hours a week. Your dependents are also eligible for coverage if they meet the eligibility requirements and you elect coverage under the plan.

For additional information regarding eligibility, review the Eligibility Information page. If you have any questions, contact the ESU at 4-ESU@travelers.com or 800.441.4378.

Cost

You and Travelers share the cost of your medical coverage. When you enroll in the plan, the company will inform you of your share of the premium. Your premium is based on the plan that you choose, the coverage level you select, your annual base salary, and the smoking status of you and your spouse or domestic partner as applicable.

You pay for your share of the premium with pre-tax dollars from your salary. Calculate Your Rates

Related Programs & Resources

The following programs and resources may be useful to you as a participant in the BCBS plan.

• Condition Management:BCBS offers a Condition Management program to BCBS participants that includes education and phone-based support for plan participants with chronic medical conditions. For additional information about the Condition Management program, call BCBS customer service at 888.279.4242.
• Tobacco Cessation: Enrolled employees and their adult dependents over age 18 are eligible for a tobacco cessation benefit to help them stop using tobacco. The Tobacco Cessation program provides access to a personal coach and Nicotine Replacement Therapies.
• Provider Directory: To find a provider, use the BCBS provider directory.
• How to Choose a Medical Plan: Use this tool to compare the medical plans available to you based on cost, provider network and other factors.

How to Enroll

Access the How to Enroll page for enrollment instructions.