Use Insurance

We've got you covered

We’re here to help you understand your health insurance, how it works and what you might need so you can make the most of your plan.

Quick links to manage your care

family in backyard

BlueCross Healthy Places

BlueCross Healthy Places provide our neighbors with spaces to know one another and enjoy healthy activity.

Smartphone showing the BlueCross mobile app and computer showing BlueCross member online account

Register your account

You can get all of your plan details in one secure place when you register your online account here or in the BCBSTNSM app. You’ll find all your recent claim summaries, find providers in your network, estimate costs and more.

Health Insurance Basics Video
Click here to play video

Health insurance basics

Health insurance isn’t always easy to understand, but we’re here to help.

We’ll walk you through:

  • The basics of how your plan works
  • What costs you might expect when you get care
  • How to save money while getting the care you need to stay healthy

Check out the other helpful videos in our library to learn more about your out-of-pocket costs, decide when and where to get the care that’s best for you, and much more.

See more videos
Women smiling at a Provider

Pay your Providers

If you have an individual or employer health plan, you can easily view and pay your claims.

Log in

Know your insurance, care & rights

Let's help you find
What are networks, and which one am I signed up for?

A network is a group of doctors we work with to provide care to our members. Providers in our network agree to offer our members a discount. Providers who aren’t in our network don’t offer that discount, so their rates are higher.

To find your network, look at the front of your Member ID card. It’s most likely on the bottom left corner.

Is my drug covered?

You can check out all our drug lists here.

How/when can I enroll or switch plans?

Find out what times of year you can enroll and switch plans here.

See all questions

Simple ways to save on your health care

From doctor visits to prescriptions to other types of care, you can start saving money with these helpful tips.

Focus on preventive care

Making your health a priority can save you a lot of money in the long run, because the healthier you are, the less care you need. And since preventive care is often covered by our plans, your annual check-ups are free to you.

Use our Find Care & Estimate Costs tool if you need to get a primary care physician.

Save time and money with telehealth

Whether your doctor’s office is closed or you need urgent care, you can use telehealth to connect with physicians and access health care services remotely right when you need them. On top of all that, it can help you save money.

Log in to your account to see if you have telehealth coverage.

Estimate Costs

Compare prices on hundreds of medical procedures to help you choose what’s best for your needs and budget.

Estimate your health care costs with our Find Care & Estimate Costs tool.

Understanding your rights

We’re here to help you get the health care you deserve, and we’re committed to keeping you informed about your rights, responsibilities and the care you receive along the way.

View health care rights

As a member, you always have the right to:

Our Mobile Apps

Our health insurance apps help you keep track of your
care when you’re on the go through your mobile device.