Orlando Harmon
Blue Cross Blue Shield is a health insurance provider that offers a range of healthcare coverage solutions for individuals, families, and employers. They provide easy access to membership information and health plans through their website and mobile app, where members can search for doctors, hospitals, and review claims. Blue Cross Blue Shield also offers international coverage through Blue Cross Blue Shield Global and GeoBlue. The company is committed to boosting mental health resources and support, providing in-home health assessments, and offering Medicare Advantage plans with additional benefits such as $0 monthly premiums and expanded telehealth services. Members can manage their insurance plans, submit claims, and access various tools and resources through their online accounts.
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What You'll Learn
Blue Cross Blue Shield's international coverage
Blue Cross Blue Shield (BCBS) provides health insurance coverage to its members in the United States, Puerto Rico, and the US Virgin Islands. For those requiring additional international coverage, BCBS Global™ offers a full range of healthcare coverage solutions for people who live, work, and travel outside of these areas.
BCBS Global™ provides international healthcare solutions for individuals, business travellers, expatriates, and multinational corporations. The Overseas Benefit Plan for Federal Employees ensures that members are covered while working or travelling outside of the US, Puerto Rico, and the US Virgin Islands. This includes a waiver of the cost share for primary care, certain specialist visits, and outpatient emergency room services.
The pharmacy coverage works outside of the US, but as there are no preferred retail pharmacies overseas, prescriptions must be paid for out-of-pocket and then reimbursed. Overseas prescription drug claims must be submitted within one year of the purchase date. The FEP Medicare Prescription Drug Program (MPDP) is not available outside of the US, and prescription drugs purchased overseas cannot be reimbursed.
BCBS members can access the BCBS FEP Overseas mobile app to submit claims online for medical services received outside the US, Puerto Rico, and the US Virgin Islands. The app also allows users to locate providers across the globe with the International Provider Finder, and use language tools to access medicine equivalents and medical terms.
BCBS is committed to making healthcare insurance easy, affordable, and attainable for all. This includes boosting access to mental health resources and support, as well as expanding the types of care available via telehealth.
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Managing your health insurance plan
Understand your health insurance policy
Knowing the ins and outs of your health insurance policy is crucial. Familiarize yourself with the terms and conditions, including coverage limits and exclusions, as well as any additional benefits offered. Understand the network of providers available to you and whether you need referrals to see specialists. Knowing these details will enable you to make the most of your insurance plan and avoid unexpected costs.
Evaluate your coverage regularly
It is important to periodically review and evaluate your insurance coverage to ensure it continues to meet your needs. Consider any changes in your health status, lifestyle, or life circumstances that may require adjustments to your plan. For example, if you develop a chronic health condition or plan to start a family, you may need to switch to a more comprehensive policy. Reviewing your coverage annually or when significant life changes occur can help ensure you have the most appropriate and cost-effective plan.
Take advantage of preventative measures
Many health insurance plans offer preventative care benefits, such as annual health check-ups, routine screenings, and immunizations. Taking advantage of these services can help you stay on top of your health and identify potential issues early on. Preventative care can often help manage health concerns before they become more serious and costly to treat. Check with your insurance provider to understand the preventative measures covered by your plan.
Explore cost-saving opportunities
Health care costs can be a significant expense, but there are ways to manage and reduce these costs. Compare medication prices, as generic drugs often cost less than brand-name medications. Additionally, seek out incentive programs offered by many insurance providers that reward customers for healthy habits and wellness goals. If you have a high-deductible plan, consider opening a health savings account (HSA), which can offer tax benefits and help you save for future medical expenses.
Maintain your health records
Keeping accurate and up-to-date health records is essential for effective health management. Create a Personal Health Record (PHR) to maintain a collection of your medical information, including screenings, treatments, and health care provider details. This allows you to easily share your medical history with health professionals and ensures continuity of care. You can use downloadable forms or dedicated websites to create your PHR, ensuring your records are organized and readily accessible when needed.
Stay informed about health care quality
Stay informed about the quality of health care services in your area. Websites like Managing My Own Health provide state-specific health care quality information, including strengths and weaknesses. This knowledge can help you make more informed decisions about your health care providers and ensure you receive the best possible care. Additionally, understanding healthcare quality scores can guide you in choosing the right insurance plan, as some plans perform better in preventing and treating specific conditions.
By following these steps, you can take control of your health insurance plan and ensure that you are utilizing your benefits effectively to maintain your health and well-being.
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Medicare Advantage plans
Blue Cross Blue Shield Insurance provides a full range of healthcare coverage solutions for people who live, work and travel internationally. They also offer Medicare Advantage plans, which are Part C plans that provide Medicare coverage through private health insurance companies approved by Medicare.
You can maintain your coverage after turning 65 with Blue Cross Blue Shield's Medicare Advantage plans. You are generally eligible for Medicare if you are aged 65 or above, or if you are disabled and have received disability benefits from the Social Security or Railroad Retirement Board.
To learn more about the specific benefits and costs of Medicare Advantage plans, you can contact your local Blue Cross Blue Shield company or visit their website. They can help you understand your Medicare coverage options and choose a plan that best suits your needs.
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In-home health assessments
Blue Cross Blue Shield is a health insurance provider that offers a range of healthcare coverage solutions for individuals, families, and employers. They are committed to making healthcare insurance easy, affordable, and attainable for all, including those who live, work, and travel internationally.
One of the benefits of Blue Cross Blue Shield is their in-home health assessment program. This program offers Medicare Advantage members a "bonus" preventive checkup that assesses their overall health and well-being. This service is provided at no cost to the member and can be conducted in the comfort and privacy of their own home, or via telehealth. During the assessment, a doctor or nurse practitioner will review the member's vital signs, screen for common health issues, and discuss any medications they may be taking. This typically lasts about an hour, and a family member who helps manage the member's health is also welcome to attend.
After the in-home health assessment, the member will receive a written report detailing the findings, along with recommendations for any further care or follow-up with their primary care provider. This service is particularly beneficial for individuals who don't visit a doctor often, as it provides an opportunity to identify and address potential health risks early on.
To schedule an in-home health assessment with Blue Cross Blue Shield, members can contact their local BCBS agency or specific providers like Emcara Health for Michigan residents. For Texas residents, they can call Signify Health toll-free during business hours, Monday through Friday. This service is a great way to stay on top of one's health and ensure any potential issues are caught early on.
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Payment options
Blue Cross Blue Shield offers several payment options to its members. These options vary slightly depending on the state in which the user is based.
Arkansas
In Arkansas, members can make a one-time payment online with a check, credit, or debit card by visiting the secure, mobile-friendly payment site. Members can also sign in to the Blueprint Portal to make a one-time payment or set up AutoPay with a check, credit, or debit card. The AutoPay option can also be set up offline by submitting a pre-authorized bank draft form. Alternatively, members can make payments by calling 800-354-9904 or by signing up for Bill Pay through their financial institution, which will automatically draft payments from the bank account of their choice.
North Carolina
In North Carolina, members can pay their monthly premium bill online by logging in to their Blue Connect member portal or by paying as a guest. Members can also set up AutoPay through the Blue Connect member portal.
Texas
In Texas, members can make a one-time payment through the secure member portal without logging in as a guest. They can also log in to their member account to automatically schedule monthly payments. Payments can also be made over the phone by calling 1-888-697-0683.
Grace Period
All members have a grace period that starts from the due date on the invoice. The standard grace period is 25 days, although this is extended to 90 days for those who purchased their plan on the Health Insurance Marketplace and are eligible for a tax credit. During this time, claims may still be denied, and there is no guarantee that the policy will remain active.
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Frequently asked questions
A Blue Cross Blue Shield insurance voucher check is a form of payment provided by your insurance company that covers some or all of your medical expenses.
You can typically use your voucher check as payment at the doctor's office, hospital, or other medical facilities. Present the check along with your insurance card to the billing department.
If your voucher check does not cover the entire cost, you may be responsible for paying the remaining balance. Contact your insurance provider or review your policy to understand your financial obligations in such cases.
The usage of voucher checks is typically restricted to specific types of medical expenses outlined in your insurance policy. Ensure you understand the terms and conditions of your policy to know what expenses are covered.
