Blue Cross Blue Shield Health insurance is one of the most well-known names in the health insurance market. They have been in the business for 80 years and have a large group of satisfied clients. Blue Cross and Blue Shield are two different entities that came together to form the Blue Cross Blue Shield Health Insurance. The Blue Cross Blue Shield Health insurance has come a long way and the plans for their services have also evolved over time as well. This insurance provider is available in most states and has different plans for every state. Following is an overview of the different plans and services provided by the Blue Cross Blue Shield Health insurance.
A plan network is an umbrella term that has the doctors, hospitals, general physicians, and other medical care entities under it. Every single network has the capacity to provide complete health care to the patient. There is a network in every single state to make it easier for insured persons to avail the in-network services and be eligible for a coverage. It is important to know about the plan networks and member costs as they can differ from plan to plan. You may also want to check if your doctor is in the network before you go ahead and choose the plan. If you choose a plan that does not include your doctor, you might have to bare an extra cost as the doctor would be out-of-network. In some cases, you might also have to pay the full cost to treat your medical implications. The Blue Cross Blue Shield Health insurance has a wide range of doctors for you to choose from, a variety of suitable plans, and low prices of the premium.
The Blue Cross Blue Shield Health insurance is ideal for you as they are a customer-owned insurance company, which makes them trustworthy. An insurance plan offered by The Blue Cross Blue Shield Health insurance includes:
- Prescription drug coverage as well as a mail-order program
- Choice of deductibles
- Other health and wellness programs
- Choice of a large range of doctors and hospitals
- Benefits and services for mental health and substance abuse
- A member account that gives you access to manage your coverage
The Blue Cross Blue Shield Health insurance has three different plan levels that give you the liberty to choose one that fits your needs perfectly. The three plans are divided into Bronze, Silver, and Gold plans adhering to the metal plan standards set by the Affordable Care Act (ACA). The three plans by The Blue Cross Blue Shield Health insurance have different benefits and costs tagged with them, however, the health benefits are essentially the same through the plans. The Bronze plan gives you a 60:40 payment ration, the Silver plan has a 70:30 payment ratio and the Gold plan has an 80:20 payment ratio.
Key coverage details
When you select a plan with Blue Cross Blue Shield Health insurance, you are entitled to certain coverage benefits listed below. The following benefits are included in all the plans offered by the company:
- Emergency services
- Maternity and newborn care
- Prescription drugs
- Ambulatory patient services
- Laboratory services
- Chronic disease management
- Rehabilitative services and devices
- Pediatric services
- Substance use disorder services
- Mental health disorder services
Preventive care services
There are many medical implications that can be treated with the right treatment and an early diagnosis of the condition. According to ACA, most of the health care plans must cover a certain range of preventive care services without any in-network, out-of-pocket costs. These services typically include screenings, immunization, and other care techniques like blood pressure and diabetes or cholesterol tests, cancer tests like mammograms and colonoscopies, and help in losing weight, quitting smoking, fighting depression and reducing alcohol abuse.
24/7 non-emergency care options
This is a rare service by the Blue Cross Blue Shield Health insurance, most insurance companies have only emergency care options. These options are available 24 hours a day even if they are not required in an emergency situation. The options include:
- 24/7 Nurseline – All you need to do here is call the number at the back of your member ID card, which will lead to a call to the hospital. The nurses will ask a few questions to examine your condition and recommend a medical care they believe is ideal for you.
- Provider Finder – This an online tool, which is available throughout the day, it helps you in finding in-network doctors and hospitals in your area.
- Virtual Visits – This is a service powered by MDLIVE, you can interact with independently contracted MDLIVE board-certified doctors as per your convenience.
Prescription drug coverage
With this service, you can get help in paying the bills for your prescription drugs. The type of payment will depend on the coverage that you get with your plan. It could either be a fixed dollar payment (copayment) or a certain percentage of your bill (coinsurance). The prescription drug coverage includes:
- List of the drugs that are eligible
- A broad network of pharmacy stores
- An access to online tools to manage the prescription drugs