Magnolia Local & Local Plus Plan
Administered by Blue Cross Blue Shield of Louisiana and CVS Caremark
The Office of Group Benefits (OGB) offers multiple health plans, including the Magnolia Local and Local Plus Plans. The claims administrator is Blue Cross and Blue Shield of Louisiana, while the pharmacy benefit manager is CVS Caremark. The Magnolia Local and Local Plus Plans offer a lower deductible than the Pelican plans in exchange for a higher premium. The Local and Local Plus plans are ideal for members who prefer the predictability of co-payments with $25 primary care co-pays and $50 specialty care co-pays. The main difference in the Local and Local Plus is the network of providers. Out-of-network care for both plans is provided in emergencies only.
Contact Information
1-800-272-8451
Hours: 8 a.m. - 4:30 p.m. | Monday - Friday
Magnolia Local
- Local Coverage
- No Out-of-Network coverage
This plan is ideal for members who live in the parishes within the available networks and don’t plan to utilize out-of-network care. However, out-of-network care is provided in emergencies. Your residence determines which Magnolia Local network you are in.
Community Blue: Community Blue is a select, local network designed for members who live in the parishes of Ascension, East Baton Rouge, Livingston and West Baton Rouge.
Blue Connect: Blue Connect is a select, local network designed for members who live in the parishes of Acadia, Bossier, Caddo, Evangeline, Iberia, Jefferson, Lafayette, Orleans, Plaquemines, St. Bernard, St. Charles, St. John the Baptist, St. Landry, St. Martin, St. Tammany and Vermilion.
| Medical Coverage | Employee Only | Employee + 1 (Spouse or Child) | Employee + Children | Family |
|---|---|---|---|---|
| Deductible (in-network) | $400 | $800 | $1,200 | $1,200 |
| Deductible (out-of-network) | No coverage | No coverage | No coverage | No coverage |
| Out-of-pocket max (in-network) | $2,500 | $5,000 | $7,500 | $7,500 |
| Out-of-pocket max (out-of-network) | No coverage | No coverage | No coverage | No coverage |
| Co-Payment (in-network) | $25 / $50 | $25 / $50 | $25 / $50 | $25 / $50 |
| Co-Payment (out-of-network) | No coverage | No coverage | No coverage | No coverage |
Magnolia Local Plus
- Nationwide Coverage
- No Out-of-Network coverage
The Magnolia Local Plus plan offers the same coverage as the Magnolia Local plan. This plan offers $25 primary care co-pays and $50 specialty care co-pays. The Local Plus plan is ideal for members who prefer the predictability of co-payments rather than using employer funding to offset out-of-pocket costs. This plan provides care in the Blue Cross nationwide network. Out-of-network care is provided in emergencies only.
| Medical Coverage | Employee Only | Employee + 1 (Spouse or Child) | Employee + Children | Family |
|---|---|---|---|---|
| Deductible (in-network) | $400 | $800 | $1,200 | $1,200 |
| Deductible (out-of-network) | No coverage | No coverage | No coverage | No coverage |
| Out-of-pocket max (in-network) | $3,500 | $6,000 | $8,500 | $8,500 |
| Out-of-pocket max (out-of-network) | No coverage | No coverage | No coverage | No coverage |
| Co-Payment (in-network) | $25 / $50 | $25 / $50 | $25 / $50 | $25 / $50 |
| Co-Payment (out-of-network) | No coverage | No coverage | No coverage | No coverage |
Magnolia Local and Local Plus Prescription Coverage
OGB uses the CVS Caremark formulary to help members select the most appropriate, lowest-cost options. Members will continue to pay a portion of the cost of their prescriptions in the form of a co-pay or coinsurance. The amount members pay toward their prescription depends on the tier of medication-generic, preferred brand, non-preferred brand, or specialty drug.
| Tier | Member Responsibility | Once You Pay $1,500 |
|---|---|---|
| Generic | 50% up to $30 | $0 co-pay |
| Preferred | 50% up to $55 | $20 co-pay |
| Non-Preferred | 65% up to $80 | $40 co-pay |
| Specialty | 50% up to $80 | $40 co-pay |