It’s another new year, another chance to start fresh. But if grand New Year’s resolutions aren’t your style, there is one easy way to keep on top of your health: Brush up on the benefits that come with your health plan. It’s a simple way to pay more attention to your health.
Getting started is easy. You can check out the basics of using your health benefits by logging into our secure member website, Blue Access for MembersSM (BAMSM).
BAM lets you manage your health plan online. There are tabs for many types of information you might need to know.
You can find out a lot just from the Home tab, including your copay amounts for office and other health visits, if your plan has them.
You can also check the amount of your deductible. That’s the amount you pay on some visits and treatments each year before your insurance starts to pay.
Another figure you may want to note is your coinsurance amount. Some plans call for you to pay a percentage of your medical costs until you meet your out-of-pocket maximum, which you can also see on the BAM Home tab.
Your deductible and out-of-pocket maximum reset each calendar year. So if you’re on the way to meeting your deductible, you can think about grouping tests and procedures into one calendar year, which could save you money.
My Coverage Tab
Next, check out the My Coverage tab. You can view more plan details and print a verification of coverage letter, if needed. You can use the menu on the left to find out more about your pharmacy and other benefits.
Claims Center Tab
The Claims Center tab lists your claims for the past 18 months. It’s also where you will find your Explanation of Benefits (EOB) records. The EOB shows how the claims were processed. It will show the service supplied, what your plan covers and your financial responsibility.
My Health Tab
The My Health tab provides a wealth of information. It includes our Wellness Guidelines and a list of covered preventive services. It also lists other benefits that may be available to you. For example, your plan may include Virtual Visits powered by MDLIVE®**. Virtual Visits allow you to get care for many non-emergency health issues by mobile app, online video or phone.***
Doctors and Hospitals Tab
Don’t miss the Doctors and Hospitals tab. Use the Provider Finder® tool to search for doctors and other health care providers in your network. Since you are logged in to BAM, you will see personalized search results based on your health plan and network.
You can use the Find a Cost feature to learn about the fees that different doctors and facilities charge for the same procedure. So not only can you be sure you choose a doctor or facility that is in your network, you can see if less costly choices are available. The cost differences can be significant.
You can also find dentists and pharmacies in your network. If your health plan has preferred pharmacies, you will typically pay the lowest copay/coinsurance amount for your prescriptions at these locations.
Start the new year off right.
Getting to know more about your health benefits will help you make better choices and give you peace of mind throughout the year. The more you know, the better you can look after your health. Log in to BAM today to make the most of your health care coverage.
*Preventive services at no cost applies only to members enrolled in non-grandfathered health plans. You may have to pay all or part of the cost of preventive care if your health plan is grandfathered. To find out if your plan is grandfathered or non-grandfathered, call the customer service number on your member ID card.
**Virtual Visits, powered by MDLIVE, may not be available on all plans. Virtual Visits are subject to the terms and conditions of your benefit plan, including benefits, limitations, and exclusions. MDLIVE operates subject to state regulations and may not be available in certain states. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.
***Internet/Wi-Fi connection is needed for computer access. Data charges may apply when using your tablet or smartphone. Check your carrier’s plan for details. Video on-demand consultations for behavioral health are available by appointment. Service is limited to interactive-audio/video (video only) when clinically appropriate, in Idaho, Montana and New Mexico and audio only in Oklahoma. Service availability depends on member’s location.
MDLIVE operates and administers the virtual visit program and is solely responsible for its operations and that of its contracted providers. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission.
Blue Cross®, Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.