Haris Ashley
Blue Cross Blue Shield offers a range of health insurance plans to meet the needs of individuals, families, and employers. Their services vary from state to state, with options for Medicare, Medicaid, and international coverage. Members can access their benefits, search for doctors and hospitals, and review claims through their online accounts. Blue Cross Blue Shield also provides telehealth services and a 24/7 nurse line for medical advice and opinions. They are committed to making healthcare insurance accessible and affordable, with additional perks like discounts on wellness services and Bluebikes sponsorship for community health and wellness.
| Characteristics | Values |
|---|---|
| Personalized online account | MyBlue |
| Telehealth | Available via Well Connection platform |
| Provider network | One of the largest in Massachusetts |
| Medicare Advantage plans | Include medical, dental, and prescription drug benefits |
| Flex Card extras | $3,150 |
| Nurse Line | 24/7 access at no additional cost |
| International coverage | Blue Cross Blue Shield Global™ or GeoBlue |
| Health management tools | Available |
| Wellness services | Discounts available |
| Coverage options | Individual, family, Medicare, Medicaid, and employer plans |
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What You'll Learn
Understanding your health plan
Choosing the Right Plan
Blue Cross Blue Shield offers a range of health insurance plans tailored to meet the diverse needs of individuals and families. When choosing a plan, it's essential to consider your specific healthcare requirements and those of your family members. You can visit your local BCBS company website or enter your ZIP Code to explore the coverage options available to you. BCBS also provides exclusive discounts on health and wellness products and services for its members.
Accessing Your Benefits
Once you have selected your plan, you can access your benefits through your local BCBS company website or the MyBlue online member account. MyBlue simplifies understanding and utilizing your health plan. It helps you find healthcare providers, including doctors, hospitals, and dentists, within your network who are accepting new patients. Additionally, through MyBlue, you can review your plan benefits, replace your insurance card, and access other coverage-related information.
Telehealth Services
Blue Cross Blue Shield recognizes the importance of telehealth services and has expanded the types of care available through this modality. If your health plan includes the telehealth benefit, you can utilize the Well Connection platform, accessible through MyBlue, to receive medically necessary services covered under your plan via video or phone. This option is particularly suitable for minor ailments, such as colds, coughs, headaches, mild allergies, and skin rashes.
Additional Perks
Depending on your plan, BCBS offers various additional perks, such as the 24/7 Nurse Line. This service provides you with access to expert medical opinions and advice whenever you need them. For instance, if you are unsure whether your symptoms require immediate care, you can call the Nurse Line to get answers at no extra cost. Furthermore, BCBS offers Medicare Advantage plans with comprehensive benefits, including medical, dental, and prescription drug coverage, along with attractive extras like $0 monthly premiums and Flex Card perks.
Remember, understanding your health plan is key to utilizing your Blue Cross Blue Shield medical insurance effectively. Don't hesitate to reach out to your local BCBS company or use the online tools provided to clarify any questions or concerns you may have about your coverage.
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Finding a provider
As a Blue Cross Blue Shield member, you can search for doctors, hospitals, and dentists in the United States, Puerto Rico, and the U.S. Virgin Islands. If you have additional international coverage, select Blue Cross Blue Shield Global™ or GeoBlue to find care outside the United States.
You can access additional provider information such as address, phone number, and specialty by searching for providers using your MyBlue account. If you are experiencing long wait times to see a provider in person, consider using their telehealth services by Teladoc Health®. You can get virtual doctor visits via phone, video chat, or the Teladoc app.
With Blue Cross Blue Shield, you can also access an enhanced provider directory and get procedure and treatment cost estimates. Their Prescription Drug Cost Tool lets you see if your drug is covered under your selected plan and compare costs of covered drugs.
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International coverage
Blue Cross Blue Shield offers international coverage for individuals, business travellers, expatriates, and multi-national corporations. This includes worldwide coverage for medical care outside of the U.S., Puerto Rico, and the U.S. Virgin Islands through the Overseas Assistance Center. The cost is waived for primary care, certain specialist visits, and outpatient emergency room services. You can also get reimbursed for claims in local currency or U.S. dollars, and your copays and coinsurance amounts are typically the same as they would be in the U.S.
For prescription drugs, you need to pay out-of-pocket first and then submit your receipts and a completed claim form for reimbursement. Overseas prescription drug claims must be submitted within one year of the purchase date. It's important to note that the FEP Medicare Prescription Drug Program (MPDP) is not available outside of the U.S. and its territories, so you cannot receive reimbursement for prescription drugs purchased overseas if you have MPDP.
To make your overseas coverage more accessible and convenient, Blue Cross Blue Shield offers the BCBS FEP Overseas mobile app. This app enables you to submit claims online for medical services received outside the U.S., Puerto Rico, or the U.S. Virgin Islands. Additionally, you can locate providers worldwide using the International Provider Finder and access enhanced language tools to understand medicine equivalents and medical terms. The app also assists with claim filing, enrollment questions, U.S. dollar check reimbursements, overseas provider referrals, emergency medical evacuations, and more.
Blue Cross Blue Shield also offers GeoBlue, which provides international health plans in cooperation with local Blue Cross and Blue Shield companies. GeoBlue gives you access to an elite network of doctors and specialists who are available on short notice. They also offer member-exclusive apps that provide healthcare services and translation tools for your medical needs while travelling internationally.
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Telehealth services
Blue Cross Blue Shield offers telehealth services to its members, allowing them to access medical services remotely via video or phone. This means that any medically necessary service covered under your health plan can be performed via telehealth when appropriate and offered by your doctor.
Accessing Telehealth Services
To access telehealth services, you can start by logging into your MyBlue online member account. From there, you can use the Well Connection platform to access telehealth services. You can also download the Anthem Sydney app to use Anthem virtual care on your phone.
Coverage
Types of Care
Language Assistance
Language assistance services are available free of charge for members who speak languages other than English.
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Managing your account
Managing your Blue Cross Blue Shield account is straightforward and can be done online. To get started, you'll need to find your local Blue Cross and Blue Shield company website. You can do this by using the interactive tool on the Blue Cross Blue Shield website. Once you've found your local company's website, you can create an account and log in. This will allow you to access your health plan, review claims, and more.
Your online account is a powerful tool for managing your health insurance plan. You can use it to check on a claim, pay a bill, or get in touch with a representative. You can also use your account to search for doctors, hospitals, and dentists in your network. If you have additional international coverage, you can use Blue Cross Blue Shield Global or GeoBlue to find care outside the United States.
If you need to change your coverage for any reason, such as moving to a new state, changing jobs, or retiring, Blue Cross Blue Shield can help. They also offer a range of health management tools, discounts on wellness services, and telehealth options for medically necessary services.
Additionally, Blue Cross Blue Shield sponsors Bluebikes, providing over 5,300 bikes across 13 municipalities to support the health and wellness of their community.
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Frequently asked questions
Using your Blue Cross Blue Shield medical insurance starts with finding your local BCBS company website. From there, you can log in to access your benefits, review a claim, and more.
You can use the interactive tool on the BCBS website to find your local company's website.
With your local BCBS account, you can look up your health plan, review a claim, search for doctors, hospitals, and dentists, and find information about your coverage.
BCBS can help you change your coverage if you are moving to a new state, changing jobs, getting ready to retire, or if your employment circumstances have changed.
If you have additional international coverage, you can select Blue Cross Blue Shield Global or GeoBlue to find care outside the United States.
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