Whether you’re a current member or shopping for a new plan, understanding the basics will help you get the most out of your health plan.
Health plan costs
Health plan costs include the premium, deductible, coinsurance and out-of-pocket maximum. Some plans may also have copays. Learn more about these costs to help you plan and budget for your care.
Questions about your plan
To find out what your health plan covers or to see your claims, sign in to the member site.
What’s covered
Depending on your health plan, some medical care may be covered by your plan and some may not. Sign in to the member site to see your specific coverage information. You can also call customer service using the number on the back of your member ID card.
- Sign in to see your coverage
- Why was I billed for a preventive care visit?
- How to understand prescription drug benefits
- What is a prior authorization?
- Health plan coverage for behavioral and mental health conditions
- Dependents Q&A
Choosing a health care plan
Learn about types of plans, special enrollment periods and choosing the right plan for you.
- When is open enrollment?
- Learn about Medicare plans
- How to choose a health insurance plan
- Health insurance when you're self employed
- How a health savings account (HSA) works
- 6 benefits of choosing an HSA plan
- HSA, HRA and FSA: The difference between medical spending accounts
More about health care and health plans
Claims and payments
When you use your health plan, you want to know that your medical bills are getting paid and what costs, if any, that you are responsible for paying. Find out the status of your claims online or through customer service.
Networks
A network is a group of doctors, clinics, hospitals and other health care providers that you can see for a lower cost. The network you use depends on your Blue Cross or Blue Plus health plan. Some networks are large, and some are smaller with a limited number of doctors, clinics and hospitals. Learn why it’s important to know and use your network.