Blue Shield Medical Plans

Want access to your choice of doctors? You can’t go wrong with any of these medical plans, which are available to all U.S. employees. Check out the highlights below to find the plan that makes the most sense for you.

With all the Blue Shield plans, you can choose any doctor or facility, but you’ll pay less when you use in-network providers. The plans all pay 100% of in-network preventive care services, with no copay or deductible.

See your cost for each plan. For more details, refer to the BSC plan documents.

BSC PPO 1000BSC PPO HSA 1600BSC PPO HSA 3500BSC PPO HSA 6350 for internsPrescription coverage

BSC PPO 1000

  • The deductible is $1,000 for employee-only coverage and $3,000 for employee-plus-dependents coverage.
  • For in-network doctor visits, you pay a copay of $20 for primary care visits, $20 for virtual care visits, and $40 for specialist visits.
  • For other in-network services after you meet your deductible, you pay 20% until you meet your out-of-pocket maximum of $3,500 with employee-only coverage or $7,500 if you cover dependents.
  • For more information, refer to the summary of benefits and per-pay-period contributions for this plan.

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BSC PPO HSA 1600

  • The in-network deductible is $1,600 for employee-only coverage and $3,200 for employee-plus-dependents coverage.
  • For in-network doctor visits, virtual care visits, or services after you meet your deductible, you pay 20% coinsurance until you meet your out-of-pocket maximum of $2,500 with employee-only coverage or $5,000 if you cover dependents.
  • When you enroll in this plan, you’re eligible for a Health Savings Account (HSA) that lets you set aside pretax dollars to pay for eligible medical expenses.
  • Rivian deposits these annual amounts into your HSA on a per-pay-period basis: $250 for employee-only coverage or $650 for employee-plus-dependents coverage.
    • If you enroll midyear, you are eligible for the per-pay-period contribution for each pay period remaining in the 2024 payroll calendar.
  • For more information, refer to the summary of benefits and per-pay-period contributions for this plan.

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BSC PPO HSA 3500

  • The per-pay-period contributions are the lowest of the Blue Shield plans (you’ll pay nothing for employee-only coverage). 
  • The in-network deductible is $3,500 for employee-only coverage and $7,000 for employee-plus-dependents coverage.
  • For in-network doctor visits, virtual visits, or services after you meet your deductible, you pay 20% in coinsurance until you meet your out-of-pocket maximum of $4,500 with employee-only coverage or $9,000 if you cover dependents.
  • When you enroll in this plan, you’re eligible for a Health Savings Account (HSA) that lets you set aside pretax dollars to pay for eligible medical expenses.
  • Rivian contributes to your HSA too:
    • In 2024, these annual amounts are deposited into your HSA on a per-pay-period basis: $750 for employee-only coverage or $1,800 for employee-plus-dependents coverage.
      • If you enroll midyear, you are eligible for the per-pay-period contribution for each pay period remaining in the 2024 payroll calendar.
  • For more information, refer to the summary of benefits for this plan.

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BSC PPO HSA 6350 for interns

  • This plan is the only Rivian medical plan option for interns.
  • The deductible is $6,350 for employee-only coverage and $12,700 for two-person or family coverage.
  • For in-network doctor visits or services, you pay $0 after you meet your deductible.
  • When you enroll in this plan, you’re eligible for a Health Savings Account (HSA) that lets you set aside pretax dollars to pay for eligible medical expenses. Rivian does not contribute to your HSA.

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See your costs

The per-pay-period medical plan contributions are shown on the Your Costs page.

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Prescription coverage

For in-network prescription drugs with the BSC PPO 1000, you pay $15 for generic drugs, $30 for preferred brand-name drugs, and $60 for nonpreferred brand-name and specialty drugs. Prescription costs do not count toward your deductible.

With the BSC PPO HSA 1600 or BSC PPO HSA 3500, you pay the market price of prescriptions until you meet your deductible, and these prescription costs count toward your deductible. For in-network prescription drugs after you meet your deductible, you pay $15 for generic drugs, $30 for preferred brand-name drugs, and $60 for nonpreferred brand-name and specialty drugs.

With the PPO 6350 for interns, you pay $0 for prescriptions after you meet your deductible.

Find out how your medication is covered

Blue Shield pharmacy benefits are managed by Optum Rx. You can see which drugs are covered on the Optum premium drug list.

Optum Specialty Pharmacy provides specialty medications and clinical support for complex conditions like cancer and MS. To learn more, call 877-838-2907.

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Save with generic medications

The easiest—and safest—way to save money on prescriptions is to ask for a generic drug. Generics are the same as a brand-name medication in dosage, safety, effectiveness, strength, stability and quality.

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