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Blue Cross Blue Shield of Alabama

Blue Cross Blue Shield (BCBS) of Alabama is an independent licensee of the Blue Cross and Blue Shield Association. The BCBS Association offers some form of low cost health insurance in all states. These companies are mostly independent and either regional or state-based. Many administer Medicare coverage, as well as group and individual health insurance. BCBS of Alabama has been in existence since 1936.

BCBS Alabama Coverage

Blue Cross Blue Shield of Alabama offers the following types of affordable health insurance plans:

  • Individual and family plans
  • Medicare and beneficiary plans
  • Group health plans for small businesses
  • Federal employee program
  • Long term care plans

The $500 deductible direct-pay BCBS of Alabama health plan for individuals and families can include the following:

  • Separate rate scales for in-network and out-of-network. For instance, an in-network hospital stay would have no deductible and a co-pay of $200 per day for the first five days, while covered inpatient expenses would be covered 100% by the PPO allowance. An out-of–network facility would have a $2,000 deductible, while inpatient expenses would be paid at 50%.
  • Outpatient surgery is covered at in-network facilities at 100% after a co-pay of $300.
  • In-network doctor visits are covered at 80% after the yearly deductible is met.

Other individual plans include a $1,000 deductible plan and a $2,500 deductible plan. BCBS of Alabama also offers a high deductible plan for use with a health savings account and a short-term coverage plan. All plans are limited to residents of Alabama.

Blue Cross Blue Shield of Alabama
450 Riverchase Parkway East
Birmingham, AL 35244

The above summary is for informational purposes only.  This site is an informational resource only, and cannot issue health insurance policies. The summary above indicates no relationship, express or implied, with the carrier profiled. If you request a quote, we cannot guarantee that the broker or company who contacts you will be affiliated with any certain insurance carrier or product. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.

hr is not a licensed health insurance carrier, and we are unable to directly issue health insurance policies, or alter existing policies. If you wish to inquire about your current plan, then please contact your health insurance provider. The health insurance policies described on this site may not be available in all states, and we do not guarantee that you will receive any plans described on