For employees
For questions about your current benefits:
Call customer service at the number on the back of your member ID card. And you can see your personal information online anytime:
You can also see answers to common member questions.
For questions about your coverage options:
Talk to your human resources or benefits team. They’ll be happy to help. Or watch for information from your employer about open enrollment.
Is your plan self-insured or fully insured?
When you're learning about your health plan benefits, it may help to know whether it's fully or self-insured. Coverage, programs and services available can vary depending on the plan.
Fully insured: For fully insured plans, the insurance company pays for the member's healthcare claims and sets the plan benefits. Small employer plans (2-50 employees) are generally fully insured, and some large employer plans (over 50 employees) are fully insured.
Self-insured: Many employers are self-insured and set their own benefits, which are then administered by Blue Cross. Some large employer plans (over 50 employees) are self-insured.