Helping You with Your Healthy Blue Living Plan

We know health insurance can be confusing. Learning the basics of how your health plan works will help you understand and get the most value from it.

With your Healthy Blue Living plan, you'll need to choose a primary care provider, or PCP. They'll be your coordinator for all your health care needs, ensuring you get the right care at the right time.

Your plan isn't like other plans. With your Healthy Blue Living plan, you'll have the opportunity to save on your health care costs for taking steps to get and stay healthy. If you meet certain requirements, you will get enhanced benefits, which means lower deductibles, lower copays and lower coinsurance.

To have the lowest out-of-pocket costs, visit your PCP for an annual physical and take the online health assessment. Follow your personalized to-do list and you can be healthier and enjoy lower health care costs.

This to-do list can be found in your online member account under Medical. Completing the to-do list within the first 120 days will keep your plan in enhanced benefit level with lower costs.

When you need care, you'll see your PCP for preventive care, when you're sick or need prescriptions. If needed, your PCP will refer you to in-network specialists and handle prior authorizations for tests to diagnose and monitor health concerns.

Remember, in an emergency, you can go to any hospital.

For convenient access to your plan information anytime, anywhere, register and log in to your member account at BCBSM.com or the mobile app. It can help you find and choose a primary care provider, select doctors, hospitals and virtual care options, know the benefits and coverage of your health plan, estimate costs for the health care you choose to receive, check the status of your prior authorizations and referrals.

Deductibles, copays and co-insurance: what's it all mean? Let's break it down. If your health plan includes a deductible, you'll pay for certain medical costs until they add up to your plan's deductible amount. Some preventive care services, like annual visits, are included at no cost to you. You can track what you have paid towards your deductible at any time in your account.

At the start of the year, you may owe your provider a copay when you get care. A copay will be a fixed amount like 20 dollars, for example. Co-insurance is the percentage of the cost you owe for care. Your health plan pays the remaining percentage.

The amounts you pay go toward your out-of-pocket maximum. Once you've spent this amount, you won't pay anything for the rest of the plan year. Your health plan will pay 100 percent of your health care services.

Health plan details can differ. So refer to your member account to confirm your costs.