CompleteCare, An Individual Comprehensive Major Medical Health Plan. CompleteCare is Medically Underwritten and you must qualify for coverage.

 Acceptance for CompleteCare coverage is determined by an evaluation of your medical history and other health information, as well as that of each dependent you wish to enroll. As a result, we cannot guarantee acceptance for CompleteCare. CompleteCare includes a pre-existing condition clause. For the first 12 months of your coverage, the CompleteCare Agreement will not pay for expenses related to a condition for which you or your enrolled dependents received medical attention during the five years before you enrolled. CompleteCare is available in the 29 counties of Western Pennsylvania. CompleteCare offers deductible levels of $500 and $1000.

• DirectBlue now offers both $250 and $500 deductible options, the same deductible options as CompleteCare.
• DirectBlue and CompleteCare premiums are similar but DirectBlue offers a 90% coinsurance versus Complete Care's 80% coinsurance.
• DirectBlue provides out-of-network coverage with no claim forms to file. CompleteCare members who use non-participating providers may be balance-billed and have to file their own claims for services from those providers.
• DirectBlue pays 100% of the negotiated prescription drug price (after a $100 drug deductible) while CompleteCare pays only 80% of covered drug costs (after a $100 drug deductible)