Checking up on your benefits 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 the remainder of the 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. Here you can also view your Plan Benefit Book and Summary of Benefits and Coverage. Your Plan Benefit Book is a guide to your coverage that provides detailed information about your health care benefits, member resources and forms you may need. The Summary of Benefits and Coverage explains your benefits and shows what you might pay for covered services.
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. You can view an EOB by clicking on the claim number in the table. 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.*** The 24/7 Nurseline†, available in English and Spanish, is another option for non-emergency support.
Doctors and Hospitals Tab
Select the Doctors and Hospitals tab to access 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.
Finish the year off right.
Make better choices by making sure you understand your health benefits. The more you know, the better you can look after your health. Log in to BAM today to keep making 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 or 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. Check your cellular data or internet service provider’s plan for details. Non-emergency medical service in Idaho, Montana and New Mexico is limited to interactive audio/video (video only), along with the ability to prescribe. Non-emergency medical service in Arkansas is limited to interactive audio/video (video only) for initial consultation, along with the ability to prescribe. Behavioral health service is limited to interactive audio/video (video only), along with the ability to prescribe in all states. Service availability depends on location at the time of consultation.
†24/7 Nurseline is not a substitute for a doctor’s care. Talk to your doctor about any health questions or concerns. 24/7 Nurseline may not be available to all members.
MDLIVE, an independent company, 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.