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Tobacco-Use Rate
BluePreferred has a discount for non-tobacco users. To be eligible for
these rates, an individual must not have used any tobacco product
(cigarettes, cigars, chewing tobacco, pipe) for twenty-four (24)
consecutive months prior to the date of application. For a family
program, ALL members must be non-tobacco users for
twenty-four (24) consecutive months to qualify for non-tobacco user
rates.
Rate Calculation
Rating provisions for BluePreferred are additive. For the deductible
coinsurance level selected, rates are added for the customer, spouse,
and each dependent child; male or female by age category; and the
tobacco use or no tobacco use distinction.The Dependent rate refers to a
dependent child. This rate is multiplied by the number of dependent
children in a family. Those above nineteen (19) must have their own
contract and cannot be classified as a dependent child on family
coverages. However, family coverage can include an unmarried child who
is a full-time student under 24 years of age who is financially
dependent upon the parent. At the end of the month of the limiting age,
as appropriate,the child is automatically removed from coverage as a
Dependent. We must receive substantiating documentation of student
status and financial dependency. This also includes an unmarried child
of any age who is medically certified as disabled and dependent upon the
parent. We must receive notice of the condition.
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