You can think of a health plan as three main parts: benefits, networks and costs. Click below to learn more about each.
Benefits are simply what your plan pays for – things like checkups, prescriptions and medical care. Your health plan covers some benefits, like wellness visits and preventive care, at 100%. In other cases, as with surgery, you may pay a deductible and your health plan then covers a percentage of the cost, and you pay the rest. In general, the more your health plan pays toward your medical costs, the higher your monthly payments (premiums) will be.
TIP: Look for health plans that include unique or exclusive benefits such as discounted gym memberships and special promotional offers. These extra benefits help your money go farther.
When you buy a health plan, you choose a network. A network is a group of doctors, hospitals and other health care providers who provide services at lower rates that BlueCross has negotiated on behalf of its members. When you use a doctor or hospital outside of your network, you pay more, so it’s important to understand which providers are included in your health plan's networks before you enroll.
You’ve probably heard about health insurance costs like premiums, deductibles, copayments and coinsurance. These play a big role in helping you manage your health care expenses.
For example, you can choose a plan with a higher monthly premium, and lower out-of-pocket costs (deductibles and coinsurance) for health care and services. If you have few or no expected health needs, you may prefer a plan with a lower premium and higher out-of-pocket costs.
TIP: Things like network and coverage affect what you pay for your health plan. For example:
If you’ve never had insurance before, it can be intimidating to predict your healthcare needs and their costs. You can learn more about costs here: