https://uat-bcbsil.telligenthosting.net/my-coverage-explained/en-USTelligent Community 12https://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/cybercrime-scamsTue, 27 Aug 2024 14:05:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:e16505ed-4704-4469-8e1b-8036bd7d3108BCBSIL Connect TeamWhen it comes to cybercrime, it seems like there’s always some new threat. To stay safe, it’s a good idea to learn how to spot the latest scams. It pays to be careful. Cybercrimes are getting more and more sophisticated, and users need to be both aware and on guard, says the FBI. Spotting Cyber Trouble Scammers use email or text messages to try to steal your passwords, account numbers and other information. These “phishing” emails and text messages try to trick you into clicking on a link or opening an attachment, says the Federal Trade Commission . The FTC says scammers often change their tactics to keep up with the latest news or trends. But there are some common tactics used in phishing emails or text messages. Below are some examples. An unexpected email or text message may look like it’s from a company or organization you know or trust, like a bank, a credit card or utility company, online payment website or app, or the IRS. But the message could be from a scammer. To trick you into giving them your information, they may try to convince you that: They’ve noticed some suspicious activity or log-in attempts There’s a problem with your account or your payment information That you need to confirm some personal or financial information They’re sending an invoice You need to click on a link to make a payment (these links have malware) You’re eligible to register for a government refund Offer a (fake) coupon for free stuff All of these are examples of how they try to get you to click a link or send information that helps them steal from you. It’s important to stop and think about whether the request or offer is legitimate before you act. When real companies contact you, they will NOT send a link to update your payment information, for example. Before you act, ask yourself: Do I have an account with this company? If the answer is “Yes,” reach out to them using a phone number or website you know is correct. Do not use any numbers, links or information in the suspicious communication. What You Can Do There are many steps you can take to help protect yourself from cybercrimes. Be alert. Start by questioning any communication you receive. Especially be on guard when using any connected device. Don’t assume that a contact is who they say they are. Don’t trust that a text is from your bank. Don’t believe a call is really from your credit card company. Don’t trust any email urging you to click on a link and “Act Now.” To help stay safe: Examine the email address in all correspondence. Examine website URLs before acting on any message. Don’t click on anything in unsolicited emails or text messages. Be careful what you share in social media accounts. Sharing your personal information can give scammers data they can use to harm you. Don’t send any type of money, gift card or payment to people you don’t know. Resist any calls for urgent action. Protect your systems and data . Install anti-virus programs on your devices and keep it up to date. Guard your accounts by using a different strong passphrase for each. Block unwanted calls. Use a filter to block unwanted text messages. Use complex passwords. Never reuse them. Use two-factor authentication for accounts that offer it. Learn more about how to keep yourself safe from scammers . Sources: The Cyber Threat , Federal Bureau of Investigation; On the Internet: Be Cautious When Connected , FBI; How to Recognize and Avoid Phishing Scams , Federal Trade Commission, 2022Benefits and CoverageScamsSafetyhttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/blue365-time-to-saveFri, 03 May 2024 15:56:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:7b83a048-3a59-4d31-af02-da1bfd9ece9fBCBSIL Connect TeamIf you’re looking for some great discounts on health-related products and services, check out the Blue365 ® program. It’s just one more advantage of being a Blue Cross and Blue Shield of Illinois member. You and your family can save with top retailers on products and services that may not be covered by insurance. There are no claims to file and no referrals or prior authorizations needed. Find Deals You Like BCBSIL members can find deals in six main categories: Apparel and Footwear Fitness Hearing and Vision Home and Family Nutrition Personal Care Some examples of discounted products and services you may find include: Outdoor clothing and athletic shoes Gyms, classes and trackers Glasses and contacts Dental services, vitamins and supplements, and wearables Snack bars, weight loss programs and meal delivery services Mindfulness classes and fitness products Start Saving To start saving, log in to the Blue365 site . If you don’t already have an account, it’s easy to create one . Be sure to have your BCBSIL member ID card handy when setting up your account. When you log in, you’ll see all the deals available to you. When you find a discount you like, click on details . You may get a coupon code that you can apply directly to your purchase on the vendor’s site. Or you may be sent to the vendor’s site, and the discount will have already been applied for you. Deals change often, so if you see one you like, don’t wait to take advantage of it. Blue365 is a discount program only for Blue Cross and Blue Shield of Illinois members. This is NOT insurance. Discounts are only given through vendors that take part in this program. BCBSIL does not guarantee or make any claims or recommendations about the program’s services or products. BCBSIL reserves the right to stop or change this program at any time without notice. The relationship between the Blue365 vendors and BCBSIL is that of independent contractors. BCBSIL makes no endorsement, representations or warranties regarding any products or services they offer. Originally published 4/14/2020; Revised 2022, 2024Benefits and CoverageBlue365DiscountsSave Moneyhttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/an-explanation-of-your-explanation-of-benefits-eobFri, 03 May 2024 13:52:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:ed54b322-6643-44c9-b4f5-be3eb584e151BCBSIL Connect TeamYou’ve been to the doctor and paid your copay. How are you going to know when your claim is filed and finalized? Simple — you'll get your Explanation of Benefits (EOB). Your EOB will break down the services you received, the cost of the services and what you might have to pay. Your EOB is not a bill. What Is an EOB? An EOB is a notice you get when a health care benefits claim is processed by your health plan. The EOB shows the expenses submitted by the provider and how the claim was processed. If you get paper EOBs, an EOB will be mailed to you after a claim has been finalized. If you are signed up for paperless statements , you'll get an email when your EOB is ready to view in your Blue Access for Members SM (BAM SM ) account. Below is a sample EOB that explains all of the sections. Keep in mind that every plan is different. The charges on your EOB are according to your plan's coverage and the services you received. Basics of Your EOB Page One A. Your member ID and group numbers B. How to access your claims online C. Helpful contacts and glossary Basics of Your EOB Page Two Top: D. Patient information E. Provider information F. Policy information Details: G. Amount billed by the provider H . Discounts and reductions in compliance with your plan I. Amount covered is the amount billed (G) minus the discounts and reductions (H) J. Health plan responsibility is the portion your health plan pays to the provider K. Deductible amount L. Copay amount M . Coinsurance amount N. Amount not covered O. The amount you’re responsible for. This column provides details about the amount you may owe shown in the claim summary (O 2 ) O 2 . Claim summary J 2 . Total covered benefits approved is the amount that was paid to the provider P. Numbered notes provide additional details Q. Health care plan maximums Always Check Your EOBs Your EOB is an important record of claims for services paid from your benefits. You need to carefully check your EOB . You want to be sure that the services you received match the services you were billed for. If something looks wrong, call us at the number on your member ID card. Or call your provider's office to ask about it. Keep your EOBs in case questions come up later about your claim or your bill. If you’ve registered for BAM, we store your EOBs there for 18 months. If you have questions about this explanation of your Explanation of Benefits, sign in and let us know in the comments below. You can get more information in your BAM account. And checkout these Health Care Coverage 1-on-1 videos to learn more about EOBs and other coverage information and insurance terms. Originally published 12/2/2014; Revised 2019, 2021, 2022, 2024Benefits and CoverageUnderstanding InsuranceBlue Access for MembersInsurance BasicsMember ClaimsExplanation of BenefitsHow Health Insurance WorksHealth Care Costshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/health-management-programsFri, 03 May 2024 10:12:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:d245173c-b30a-49a7-952d-7847c5508572BCBSIL Connect TeamThis article is intended for HMO members enrolled in an employer health insurance plan. Blue Cross and Blue Shield of Illinois HMO plans offer Population Health Management Programs to help you take care of your health. Look at the programs offered below to see if one or more may be right for you and your family. Wellness and Prevention Program The Wellness and Prevention Program helps keep you and your dependents healthy and safe. It provides information on preventing illness and injury, promoting health and productivity, and lowering your risk for illness or injury. Asthma and Diabetes Condition Management Programs The Asthma Condition Management Program and the Diabetes Condition Management Program help you learn more about your condition and give you tips on how to stay healthy. Complex Case Management Program If you have special health care needs, the Complex Case Management Program could give you more support. Case Managers help you arrange your care and services and work with you to make a care plan that meets your needs. How to Sign Up Often, a staff member from your Independent Practice Association or medical group will call you if you are having complex health problems. You can also call your primary care provider, IPA or medical group for questions or help. Just tell them you would like to be considered for one of the Population Health Management Programs. Originally published 5/11/2020: Revised 2022, 2023, 2024Benefits and CoverageEmployer CoverageHealth Conditions and PreventionHealth Management ProgramsComplex Case Managementhttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/compare-health-care-costs-quality-with-provider-finderFri, 03 May 2024 09:00:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:b085dbfc-90d8-4719-9b0b-a66e162a5914BCBSIL Connect TeamMany of us compare prices before we buy a product or service. It’s one of the best ways to be an informed consumer. But we might not think about comparing prices when it comes to our health care benefits. And that’s a missed opportunity because it could save quite a bit of money. If we want the most value for our health care dollars, a little research is in order. It’s no surprise that costs can vary greatly depending on where you go for care. For example, the cost of an MRI might vary between $845 and $5,468 – depending on the provider. Knee replacements can range from $16,997 to $55,155. And higher cost doesn’t always mean better quality. By doing some research before you get care, you may be able to lower your out-of-pocket costs. Cost sample amounts compiled from allowable in-network cost data for providers within a 50-mile radius of Chicago. Costs are examples and may not apply to every member’s situation. Be a Smart Health Care Consumer We offer tools to help you make your health care choices. Our Provider Finder ® tool makes it easy to find a doctor or hospital in your health plan's network and compare their costs*. Estimate the cost for more than 1,700 procedures, treatments and tests. View patient feedback and add your review for a provider. Review providers’ certifications and recognitions. To access the Provider Finder tool, log into Blue Access for Members SM at bcbsil.com and go to Find Care . Or use the BCBSIL mobile app. The app is available in English and Spanish for iPhone and Android users. Download the BCBSIL app from the iTunes App Store or Google Play . *Cost estimates are not available for all plans. Before you schedule a diagnostic imaging procedure, your plan may require that you call a Benefits Value Advisor or Health Advocate. Your out-of-pocket costs may be higher if you do not call. Please see your plan documents for details. Cost estimates are just an estimate. In addition to your usual deductibles, copay and/or coinsurance, the actual cost of the services may vary based on a number of factors including the date of service, the actual procedure performed, what services were billed by the provider and your particular benefit plan. Coverage is subject to the limitations and exclusions of your plan. Originally published 6/16/2015; Revised 2020, 2023, 2024Understanding InsuranceBlue Access for MembersInsurance BasicsProvider FinderFind a DoctorHow Health Insurance WorksHealth Care Costshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/where-do-you-go-when-an-emergency-isnt-really-an-emergencyWed, 01 May 2024 13:13:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:11a0fe3f-1abc-4505-bfdd-1e3e1cb60b59LauraI get it. When your child is sick on a Friday night, your first thought isn’t about choosing the best place to go to save time and money. Your first thought is to keep your child from pain and suffering. Since you aren’t a doctor, you probably aren’t sure how serious that fever is or what could happen if you don’t get care right away. Am I right? There isn’t anything anyone can likely say to make you think choosing the right place to go is more important than getting care right away. So, let’s talk about it now, while you aren’t in panic mode. Let’s make a list that will stick in your head, so the next time you need to decide what to do, your brain will take you in the right direction without a second thought. 6 Ways to Know It’s NOT an Emergency Here’s a starting list of times you don’t need to go to the ER. Enjoy. Bean up the nose. Your two-year-old has noticed that some things fit nicely in his nose. Like that black bean that ended up on the kitchen floor instead of in the pot. He may scream when he finds it isn’t so easy to get it out, but he isn’t dying. Make a joke that will get him to laugh or give him candy to distract him. Then call his doctor. After hours? Try a retail health clinic. It really just takes someone with the right tools and know-how to get it out. If you try to get it out on your own with tweezers or something pointy, you could end up needing an ER doc. Try to get him to blow it out or push it out with your fingers from outside the nostril. If that doesn’t work, leave it and make a call. Floors don’t bounce. That pick-up game of basketball with the teens 10 years younger than you seemed like a cool idea — until your head bounced off the hard gym floor. Yes, you could very well have a concussion. Yes, it’s a good idea to have it checked out. But no, you don’t need a stretcher. Have someone drive you to a retail health clinic or urgent care center. You shouldn’t drive, but you likely don’t need the ER. Cough, cough, repeat. Does it seem like you’ve been coughing up a lung for a week and it isn’t getting better? You can spend six hours coughing in an ER waiting room, or one hour coughing at an urgent care center. The results will be the same, but you’ll spend a lot more time and money to get the same prescription. The three other options for care will take good care of you. And if you’re on day seven of your cough fest, it’s safe to say it isn’t an emergency. Your doctor doesn’t get you. If you don’t want to call your doctor because you don’t like him, make a note to change doctors later and then head to a retail health clinic. When you’re sick isn’t the time to shop for a new doctor, but it isn’t an excuse to go to the ER. “I can’t walk!” Youth soccer games are the best place to hear this one — and to see a coach carrying a kid off the field. Usually, it’s a twisted ankle or a sprain. Wait a bit to see if your athlete decides she’s OK to go back in the game. If it’s swollen or hot to the touch, head home, prop it up with pillows and put an ice bag on it. If you can tell she’s in a lot of pain and it doesn’t go away after several hours, take her to an urgent care center for an X-ray. They’ll tell you if it’s broken and send you to the ER from there, if needed. “Oh! My aching back.” You knew this one was bound to make the list. If you’ve had back pain in the past and it got better with time, you know your back probably isn’t broken. Even if you haven’t, your back still probably isn’t broken. Even if it’s something serious like a bulging disc, it isn’t an emergency. Yes, get it taken care of. No, not in the ER. They’ll tell you to use a higher dose of ibuprofen and call a doctor in the morning. You may get an X-ray (that you could have gotten somewhere else), but you probably won’t be rushed back for emergency surgery. Going to an ER doctor for any of these health issues is like going to a heart specialist when you have a cold. Let those guys use their time to take care of the heart attacks, gunshot wounds and car crash victims. Think of it this way: If you don’t need an ambulance with sirens blaring as it speeds to the nearest ER, you might not need the care of a highly trained ER doctor. If you can call the ER to see how busy they are, it probably isn’t the right time to go. In fact, if you’re at the ER for anything but an emergency, you’re in the wrong place. Originally published 1/22/2015; Revised 2019; 2022, 20204Benefits and CoverageEmergency CareWhere You Go MattersImmunizationsHealth Care Costshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/well-ontarget-blue-points-gift-cardsTue, 30 Apr 2024 15:23:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:c59c8333-cde5-452e-ac03-e2073d401f92BCBSIL Connect TeamWell onTarget ® and Blue Points SM are not available to all members. Check Blue Access for Members or ask your benefits administrator to see if you have these benefits. Some changes are coming to your Well onTarget rewards experience. The Blue Points merchandise mall will retire at the end of 2024. The merchandise mall will be replaced by digital gift cards. The new redemption process will be available in the Well onTarget portal and the AlwaysOn wellness mobile app. Important Step to Take Before End of this Year Log in to wellontarget.com to redeem your Blue Points balances for merchandise before the end of this year. Any Blue Points balances not redeemed will roll over to 2025 . But you will no longer be able to redeem them for items from the merchandise mall. How Will It Work? Starting next year, Blue Points will be redeemable for digital gift cards from a variety of merchants. Members will have over 100 merchants to choose from. The redemption experience will be smoother with more flexible options including the redemption amount (the dollar amount). More information will be shared with you later this year. In the meantime, remember to log in to wellontarget.com before the end of the year to redeem your balances for items in the merchandise catalog. If you have points remaining after the end of the year, those points will roll over into the new digital gift card program. Blue Points program rules are subject to change without prior notice. See the Program Rules on the Well onTarget Member Wellness Portal for more information. Member agrees to comply with all applicable federal, state and local laws, including making all disclosures and paying all taxes with respect to your receipt of any reward. The Well onTarget program is offered to you as part of your health plan benefits. Participation in the Well onTarget program, including the completion of a Health Assessment, is voluntary, and you are not required to participate. Visit wellontarget.com for complete details and terms and conditions. The AlwaysOn app is owned and operated by Onlife Health Inc. Onlife Health Inc. is an independent company that provides digital health management for Blue Cross and Blue Shield of Illinois.Benefits and CoverageDiscountsWell onTargetDealshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/hmo-consumer-committeeTue, 30 Apr 2024 15:11:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:3d7ca0f2-fbe4-484c-b784-6a10d4b7dce3BCBSIL Connect TeamThis article is intended for HMO members. Interested in sharing your thoughts on ways to improve the HMO experience? We’re looking for volunteers for our HMO Consumer Advisory Committee. It’s a chance for HMO members to help Blue Cross and Blue Shield of Illinois identify issues and develop solutions. Committee members must be: A current BCBSIL HMO enrollee At least 18 years old Able to volunteer for two to four years If in the last two years you are or have been a provider or connected to a health care services provider of BCBSIL or a related company, you won’t be able to participate. The same is true for employees, officers and directors with the health plan or its affiliates and any of their relatives. Committee members will receive a $75 stipend for each quarterly meeting they attend. Meetings will cover current HMO member issues and explore ways to improve the experience. If you are interested in volunteering, please email HMOCAC@bcbsil.com .Benefits and CoverageMember Programs and ServicesHMOHow Health Insurance Workshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/digital-member-id-cardFri, 26 Apr 2024 10:52:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:4a0ade3c-215a-45ec-a978-e90362b45b66BCBSIL Connect TeamA device that was once only used for calling has become a tool that securely holds some of your most important assets. With your mobile phone, you can save photos of family and friends, use your preferred payment methods, even access your health insurance benefits. It's all right at your fingertips. As a BCBSIL member, it’s easy to call up your digital member ID card on your phone or other mobile device. Your digital member ID card is always up-to-date and lets you securely verify your BCBSIL coverage with your doctor. You can find it in our BCBSIL mobile app, or by logging into Blue Access for Members SM . Don’t have our mobile app yet? Find it here . Here's How It Works Using your digital member ID card at your doctor’s office is quick and easy: Step 1. Log into the BCBSIL mobile app. Step 2. On the dashboard, tap the Member ID Card icon. Step 3. That’s it! You’re now looking at your digital member ID card. Step 4. Tap on the share icon in the top right corner of your screen and select “Share Verification of Coverage.” This will open an email window that you can send directly to your doctor’s office. Another useful option lets you download your digital member ID card to your mobile device’s wallet.* With this option, you can always access it, even if you don’t have good reception or an internet connection. To share from the mobile wallet, tap the share icon. When you download the BCBSIL Mobile App or add your digital member ID card to your device’s mobile wallet*, there’s no need to wait for a physical card to come in the mail. Access is always at your fingertips. New Dental ID Cards Offer Same Convenience If you have BCBSIL dental coverage, you may have received a second ID card. If so, share it with your dentist. Your new BCBSIL dental ID card makes it easy to verify all your dental benefits. Have Questions? Digital member ID cards are still pretty new, so you or your doctor’s office may have questions about how to use it. You can send us a secure message by logging into BAM or calling us at the customer service number listed on your member ID card. *Feature only available for iOS Originally published 2/10/2021; Revised 2022, 2024Benefits and CoverageID CardBlue Access for MembersHealth Insurance ToolsBCBS Apphttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/what-is-a-health-insurance-claimFri, 12 Apr 2024 09:00:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:3178e481-dfde-41e9-b60c-c524fa41652eBCBSIL Connect TeamWe’ve all done it. Shown or uploaded our member ID card when filling out insurance forms in the doctor’s office or through an online portal. Your doctor’s office needs these details so they can file a claim. A claim is a bill your doctor and other health care providers send to a health insurance company for payment after they have treated you. In most cases, your provider’s office will submit the claim so you don’t have to worry about it. Still, there are times when you may have to submit a claim yourself. For example, if you choose to get care from a provider who's not in your plan's network. How to Submit a Claim If you need to submit a claim: Go to our Form Finder tool. You’ll find the forms you need to manage your health insurance plan in once convenient place. Scroll the page to find the claim form you need. You can choose from: Dental Medical (Domestic) Medical (International) Prescription Drug (Prime Therapeutics) Click the Download icon to the right. Fill out the form fully. You’ll need this information to complete the form: Date of service/treatment Type of service Dollar amount charged by the health care provider Member ID number (from your ID card) Print the completed form and mail it — along with the original bill from the provider — to the address at the top of the claim form. Some Tips Make copies. The bill you send in with your claim will not be returned to you, so you’ll want to have a copy. Don’t wait too long. Be sure to file your claim soon after you receive care. This is even more important when you go to the doctor late in the year and need to make sure the claim is applied to the right plan year. Check the Status of a Claim You can check the status of your claim by: Visiting the “Claims” section in Blue Access for Members Calling the customer service number on your ID card Blue Access for Members Please note the claim will not show up in Blue Access for Members until it is processed. There are five types of claims statuses that you may see: Fully Paid: The health care services were covered and paid for by your health care benefits plan. You are not responsible for any part of the bill. Partially Paid: The health care services you received were partially paid by your plan. You may still be responsible for part of the bill. Discounts Applied: Your plan negotiated discounts and reductions with your provider. You may be responsible for part of the bill. Not Paid: The health care services you received were not paid by your plan. You may be responsible for all or part of the bill. No Action Needed: The health care services you received were not paid by your plan, but you are not responsible for any part of the bill. Explanation of Benefits (EOB) Statement Once we process your claim, you will receive an EOB , either by email notification directing you to BAM or mail. This document will break down: Amount billed - The amount billed by your provider. Discounts and reductions – Cost savings offered by your plan. Amount covered – The amount billed minus any discounts and reductions. Health plan responsibility – The amount your health plan pays to the provider. Deductible – Before your health plan starts to pay for medical care and prescription costs, you pay 100% of these costs until you reach a set dollar amount known as your deductible. Once you pay your deductible in full, you then cover only your copay and coinsurance costs. Copay amount – A set amount you pay every time you see a doctor or get a prescription filled. Your copay is listed on your member ID card. Coinsurance – Your share of costs you pay for care after you’ve met your deductible. It may be a percentage of the cost, or a set amount. Amount not covered – Costs not covered by your health plan. Your total costs – The amount you may still owe your provider. If your claim was not paid, you can file an appeal. The appeals information is included with your EOB. Originally published 2/10/2015; Revised 2022, 2024Understanding InsuranceBlue Access for MembersMedical ClaimsInsurance BasicsExplanation of Benefitshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/get-text-alertsThu, 11 Apr 2024 13:28:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:65389a37-ae38-4030-902b-16d461c93e50BCBSIL Connect TeamWe don’t want you to miss important health care updates. So make sure to opt in to receive text messages from us. You can get: Claim status notification: Receive notifications when claims are processed. Saving opportunities: Get timely notices to help you choose cost-effective care services. Health and wellbeing: Get information about our wellness programs. Member feedback: You’ll get opportunities to give input on your experience with us and request improvements. Opting in to receive information by text is easy. Use one of the following options. You’ll need your member ID card. Option 1 If you are registered for a Blue Access for Members SM account, log in to BAM, and: Go to the Preferences page and enter your mobile phone number. Check your text messages. You will receive one from us, confirming that you’re opted in. Option 2 If you are not a registered BAM member, you can opt in to receive text messages using our communications preferences page . Option 3 You can use the BCBSIL mobile app. Download our free app in English or Spanish from the Apple App Store or Google Play . Then log in and: Tap Settings. Tap Contact Information and add your cellphone number. Tap Plan Notifications and check the boxes next to Text Message to select the types of notifications you want to receive. For more information, visit our text messaging page . *Message and data rates may apply. Terms & Conditions and Privacy Policy . Originally published 9/2/2021; Revised 2024Benefits and CoverageCommunication PreferencesCustomer Servicehttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/health-care-school-is-in-session-what-is-a-chronic-diseaseWed, 10 Apr 2024 11:08:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:11506f64-c13a-481c-aac2-35c9dc50d738BCBSIL Connect TeamAt some point, you’ll probably need to see a doctor about something. You may have a sore throat, a broken arm or a kid with a high fever. No matter why you need a doctor, it’s important to understand common medical terms. Ideally, you’ll only need a doctor for preventive care to stay healthy. These regular health checks help find medical issues early when they're easiest to treat. With the Affordable Care Act , most preventive care services are provided at no out-of-pocket costs. Even screenings to check for chronic conditions such as diabetes and asthma are covered. If you are diagnosed with a chronic disease, a doctor will help you manage it. What Is a Chronic Disease? A chronic disease or a chronic illness is a long-lasting health problem. It can be controlled, but not cured. You may know someone who has a chronic disease. Chronic diseases tend to become more common with age, but younger people can also be diagnosed with a chronic disease. Examples of chronic disease include: Allergies Alzheimer’s disease Asthma Cancer Diabetes Epilepsy Glaucoma Heart disease Talk with your doctor if you think you may have a chronic condition or any ongoing health issue. Chronic diseases are often found and confirmed with diagnostic testing. These tests can also be used to make sure a person doesn’t have a disease. Your doctor can help you find out if you need testing. They can also give you a referral, if needed. Source: About Chronic Diseases , Centers for Disease Control and Prevention, 2022 Originally published 10/5/2015; Revised 2019, 2022, 2024Benefits and CoverageHealth Conditions and PreventionPreventive CareManaged CareChronic Conditionshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/good-fit-doctorThu, 04 Apr 2024 18:41:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:982f07df-1793-40ca-9110-f5d7ba11430dBCBSIL Connect TeamSometimes you know it’s time for a change. But what if that change involves finding a new primary care doctor? Maybe you’ve moved, and it’s a long drive to your current doctor. Perhaps you don’t feel heard. Or you just think it would be better to find someone new. No matter what the reason, you’re ready to act. Some change is hard, but this one doesn’t have to be. Here’s where to start. Take the First Steps Your first step is to check out Blue Access for Members SM . Logging in to our secure member website gives you information based on your health plan and network. You can also learn more about your benefits and gain access to member services. There you’ll find your coverage details, access resources and tools, and more. Once you have logged in to BAM, go to the Find Care to search for network providers in your area. You can use Provider Finder ® , which has an easy-to-use guide to help you choose the best network doctor for your needs. It also lets you to look for a doctor by medical specialty, ZIP code and gender. Remember, if you visit a doctor who is not in your network, you may have to pay more for your care. Sometimes, you may have to pay the full cost. If your health plan is an HMO, there may be special steps for changing doctors. Check your benefits book or call the customer service number on your member ID card if you have questions. Don’t Wait Don’t wait until you are sick to find a personal doctor. That might be an internal medicine doctor or one in family practice. For a woman, it might be an OB-GYN. Or you can select a pediatrician for your child. Remember to visit your primary care doctor for routine care. You may save money by seeing your regular doctor for the flu, minor aches and sprains, and other health issues instead of going to an urgent care clinic or emergency room (ER). There are times when using a walk-in retail health clinic or urgent care center is a good choice. Make sure you only use the ER when there’s an emergency. Start Building Once you’ve picked your new doctor, help your doctor give you the best care by always being open and honest. Asking questions also improves the quality of care you receive. Ask about recommended tests and treatments. Ask questions any time you don’t understand something. One way to build a relationship with your doctor is to schedule a yearly exam. That’s the time to talk to your doctor about your health, risk factors and family medical history to find out what health screenings you need each year. Getting the right preventive health services, screenings and treatments improves your chances of living a longer, healthier life. Build a Relationship with Your Doctor. Your Body Will Thank You There are benefits to regularly seeing the same doctor. The more your doctor knows about you, the better your care will be. Open communication is easier with someone you know. How to Choose When you’re ready to select a doctor, first narrow your choices. Then research the doctors you’re thinking about online or call doctors’ offices to get more information. Be sure to choose a provider who is in your network . Here are some questions the American Academy of Family Physicians suggests you ask: Do they take your insurance? Do they take new patients? What are office hours? Do they have on-call hours? How long does it take to get an appointment with the doctor? What hospital does the doctor use? How many doctors are in the practice? Do they do lab tests in the office? When you find a doctor you want to check out, make an appointment and prepare for the visit. The doctor will need to know your health history and the medicines you take. And tell the doctor about upcoming events that could affect your health, such as travel. After your first appointment, think about your visit. Were you comfortable with the doctor and the office staff? Did they answer your questions? If you feel good about the visit, you may have found your new doctor. Sources: Are You Up to Date on Your Preventive Care? , Centers for Disease Control and Prevention, 2023; Patient Rights , American Medical Association; Choosing a Family Doctor , Familydoctor.org, 2022; Talking to Your Doctor , National Institutes of Health, 2023 Originally published 12/30/20219; Revised 2024Benefits and CoverageDoctor Patient RelationshipBlue Access for MembersFind a Doctorhttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/self-management-programs-managing-your-stressTue, 26 Mar 2024 15:02:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:4e1e20a5-1311-48a4-ba6c-557b6c042505BCBSIL Connect TeamStress has a way of rearing its ugly head. It comes in many different forms and from different areas of your life. Too much work? Not enough “me-time?” Too many commitments? Sometimes, stress can be overwhelming. When it is, your body often pays the toll. Anxiety, low energy, body aches, chest pains, headaches, and trouble sleeping are some of the side effects. Luckily, help is here. The Well onTarget ® portal offers self-management programs, tips, techniques and resources to help you fend off stress. Our digital self-management programs include: Interactive courses with content and learning activities that focus on behavioral changes that reinforce healthier habits Educational courses that help you recognize symptoms, understand your treatment options, and make positive lifestyle changes Both allow individuals to study at their own pace when it’s convenient for them. Designed for people who struggle with high levels of stress, the program shares strategies and relaxation techniques to better control stress triggers and symptoms. Best of all, these programs make it easy to learn. All of the content is based on recommendations from accredited programs and guidelines. The courses are easy to access through the Well onTarget Member Portal at wellontarget.com . You can also use the mobile app, AlwaysOn ® , to register for the digital self-management programs. Ready to calm the chaos? Sign up today at wellontarget.com . Source: Stress , Cleveland Clinic, 2021 Originally published 2/15/2019; Revised 2022, 2024Benefits and CoverageWell onTargetUsing Health InsuranceStresshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/emergency-coverageMon, 25 Mar 2024 18:38:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:6ceba2e6-f683-43ab-8c95-e4d099df3cd7BCBSIL Connect TeamWhen you have an illness or injury, you need to decide where to go for care . Many illnesses and injuries can be treated by your regular doctor, at a retail clinic or an urgent care center. But what if you're having signs of a heart attack? Broke your leg or blacked out after a nasty fall? When it's something serious, you need to go to the nearest hospital emergency room (ER). ER doctors and staff treat serious and life-threatening health issues 24/7. When you get ER care, your copay and out-of-pocket costs will likely be higher than a trip to see your doctor. They’ll be even higher if you see an out-of-network provider. Here are a few things you can do to help keep your out-of-pockets costs as low as possible when an emergency happens. Be Prepared Take some time now to educate yourself and prepare for a possible ER visit. Find your nearest in-network hospital emergency room. Use our online tool to find an in-network ER near you. Log in to Blue Access for Members SM , your online member account, and go to Find Care to locate network providers and hospitals. Understand the basics about your health plan. Your benefit booklet includes a summary of your coverage and costs. You can also find information about your benefits in BAM. BAM offers 24/7 access to details about your plan’s benefits, claims information, member ID cards and more. Keep your member ID card. Somewhere it’s always easy to find, like your wallet. Let someone you trust know where to find your card in case of an emergency. You can also share it with the BCBSIL App. At the Hospital Keep a few things in mind during your ER visit. If you are told you need to be admitted, ask to be moved to a hospital that is in network. If you can’t ask up front, request to be transferred to a hospital in your plan’s network when you’re well enough. Call your doctor within 72 hours of being admitted to the hospital. If you can’t call, have a family member or member of the hospital staff call. If you have an HMO plan, remember: Coverage for your emergency room visit ends once you’re admitted to the hospital and transitions to coverage for a hospital visit. If you are admitted to a hospital that is not in your HMO plan’s network, you will be charged the full cost of your treatment and stay. That’s why it’s important to contact your doctor if you’re being admitted. Your doctor can make sure you’re referred to a facility that is in your network. Some providers who work at in-network hospitals, such as anesthesiologists, imaging technicians and others, may not be in your plan’s network. If possible, ask for team members who are in your plan’s network. Involve Your Doctor Your doctor is your health advocate. Involving them as soon as possible can help you get the care you need. If you are admitted to the hospital from the ER, make sure you or someone from your, family or the hospital calls your doctor within 72 hours. Even if you aren’t admitted, call your doctor after you leave the ER to schedule follow-up care. We Can Help You Understand Your Options Not all benefits are offered by all health plans. Please refer to your benefit materials or log in to BAM to see your plan’s limits and exclusions. If you want to verify your coverage, visit the My Coverage tab. If your symptoms are life threatening (for example chest pain, trouble breathing, heavy bleeding), call 911 or go to the nearest hospital ER. Originally published 1/14/2020; Revised 2024Benefits and CoverageEmergency CareSmartER CareWhere You Go Mattershttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/new-treatmentFri, 22 Mar 2024 17:18:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:373972e8-c1c5-42c9-bf01-ecb39a7350f3BCBSIL Connect TeamThis article is intended for HMO members enrolled in an employer health insurance plan. New treatments for many conditions — from diabetes to cancer — are in the news. Do you wonder if you might be a candidate for a treatment that could help you? Do you question whether your benefits will cover it? Blue Cross and Blue Shield of Illinois stays on top of the latest medical advancements that might help you stay healthy. BCBSIL has its own medical advisory panel. The panel studies information on new health care developments. This information includes data provided by the Blue Cross and Blue Shield Association’s Office of Clinical Affairs, which reviews the medical evidence. Our medical advisory panel evaluates advancements in: Treatments Services Drugs Medical devices Other health care products BCBSIL shares information about new health care developments with your primary care physician and your medical group/individual practice association. Your PCP and your MG/IPA decide whether your benefits will cover the treatments or services. If you have questions about coverage for a new treatment, call the customer service number on your member ID card. Originally published 4/14/2020; Reviewed 2022, 2023, 2024Benefits and CoverageHMOHow Health Insurance Workshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/claim-not-approvedFri, 22 Mar 2024 14:40:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:e313569a-ba0d-4922-87c5-c455e42b4a79BCBSIL Connect TeamNurse care manager Lenzy Mixon got a call from a member about a large bill he received for a stay at a skilled nursing facility. He checked with his doctor, who assured him the stay had been pre-approved by his health plan. His next call was to us. Mixon said she was sure it was a mistake, so she reached out to a utilization review nurse and a customer advocate. Together, they found the error that caused the claim to be denied, adjusted the records and sent it through again for payment. “He was relieved and happy hearing that the claim was being adjusted so quickly,” Mixon said. While not every claim denial is so easily fixed, there are times a claim doesn’t get approved for reasons other than the service not being covered by a member’s health plan. Do you know what to do if a claim isn’t approved? First, Ask Why If you have a claim that isn’t approved, you can look at the explanation of benefits (EOB) for the claim to find out why. An EOB is generated for your medical claims to help you track what your insurance is covering and what amount you may need to pay, such as a copay or coinsurance. If a claim is denied, the EOB will explain the reason for the denial. Find Out Your Next Steps Do they have the wrong birth date listed for you? Is the address your doctor listed different from what we have on file? If the claim wasn’t approved because of an information error, reversing the denial may be fairly quick and easy. Call customer service at the number on your member ID card. You can give the customer advocate the right information to correct your file. If your provider’s office made the mistake, you can call the billing office to get the information corrected. If the service isn’t preauthorized or is denied for payment for another reason, you may need to ask that the claim be reviewed. This is called appealing the decision. You can appeal by phone or by mail. You, your doctor or another person you’ve named to represent you can appeal. Understand the Appeals Process There is a multi-step process in place that can help you if you think a claim has been denied in error. It is outlined in an insert included with your EOB. It is also explained in your benefit information. I f our reviewer is going to deny a service as not medically necessary, your doctor will receive a notification. That notification will include the option to schedule a call with the reviewer. Your doctor can review the case over the phone with us to try to resolve the issue. If the issue is not resolved and the claim is denied, you can appeal. A standard appeal is an internal review of your claim. You’ll call or send a letter to ask that the claim be reviewed to see if something can be done to reverse the denial. If a claim is denied for a medical reason, a medical doctor will review the claim. If a standard appeal does not resolve the issue, you can request to have a second medical reviewer look at the request. This second level of appeal is done by an outside, independent review organization. Your EOB will explain what types of denials can be sent for external review. There is no cost to you for an external review. Get Started You’ll need to provide as much information as you can to support the claim. Maybe the claim reviewer didn’t have the films from your MRI that showed you needed the surgery your doctor requested. It may be that a referral was required, and the referral wasn’t documented. The need for more information is another reason that often leads to a claim not getting approved. Medical review will require more information. For example, you may need: A letter from your doctor explaining why the requested treatment should be approved Patient notes from your treating physician on other care you have had for your condition The results of other tests or procedures related to the request Current medical articles or study results that support the treatment’s effectiveness Your own letter explaining why you believe the treatment is needed Hang in There For things like wrong information, a quick correction can be made and the claim refiled for approval. But other reviews take time. A standard appeal takes about 30 days for review for getting care pre-approved. Other appeals may take up to 60 days. If your life or health could be at risk by waiting, you can ask for an urgent appeal. If you qualify, the review will be handled within 72 hours. You and your doctor will get a phone call from us explaining the decision and next steps. These timeframes start when you file the appeal, not from the time of your treatment or from when the claim wasn’t approved. You have 180 days to file an appeal from the date the claim wasn’t approved. An external review takes about 45 days. If you qualify for urgent review, the outside review organization will give you a decision within 72 hours. You have four months from the date of your internal review decision notice to file a request for external review. Check Your EOB You should always check your EOB to make sure your claim information is correct. Every EOB has instructions on what to do if a claim has been denied. You may get your EOB in the mail. If you are signed up for paperless communications, your EOB can be found in your Blue Access for Members SM online account. Sources: Engaging with Insurers: Appealing a Denial , Patient Advocate Foundation Originally published 7/1/2020; Revised 2021, 2023, 2024AppealsUnderstanding InsuranceMedical ClaimsExplanation of BenefitsHow Health Insurance WorksHealth Care Costshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/protect-your-health-while-you-travelFri, 22 Mar 2024 14:31:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:029f8399-86a0-4e54-b7b4-76d8f8ec5b76BCBSIL Connect TeamVacation sounds good right about now. And whatever kind of vacation you like, there’s one thing that makes it go better – planning. Planning helps your road trip skip the bumps in the road. Planning helps you avoid turbulence, even once your plane has landed. A good first step as you plan your trip is to make sure you have health care that travels with you. Whether you’re taking a road trip or catching a plane, you don’t want sickness or injury to be part of your trip. Before you start to pack, take steps to be prepared. Double check that you have health insurance for where you're going, so you can get the help you need if something does happen. Do Your Research Don’t travel without access to your health plan information. Make sure you set up your Blue Access for Members SM account before you pack your bags. You can access coverage information, look for providers in your network and more in your BAM account. If you're traveling domestically, you can make a list of the in-network doctors and/or hospitals near where you will be staying. This will save you time and worry if you or one of your family members gets sick. And if you or a family member has a serious, chronic health issue, be sure to talk to your doctor before your trip. There may be additional issues to consider. To find doctors and hospitals in your network, log in to BAM and go to Find Care . Or download our BCBSIL App to search while you’re traveling. Bring Your Member ID Card Make sure you pack your member ID card. Bring along a photocopy in case you lose it. You will have to show your member ID card at the doctor's office, clinic or hospital if you need health care services. Many providers will allow you to show them a digital copy of your member ID card. You can access your digital ID card by logging into your BAM account or with the BCBSIL app. Pack Your Meds and Copies of Your Prescriptions If you are taking prescription drugs, pack enough to last you the whole trip and extra in case of delays. The U.S. Department of State recommends that you leave your drugs in their original, labeled container. Pack them in your carry-on bag if you are flying. Be sure to bring copies of your prescriptions. Going Abroad? See if Your Coverage Travels with You Check your benefits to see what coverage you have when you are away from home. You may want to consider getting additional coverage if you're traveling outside of the U.S. Learn more about international coverage options . Need Shots? Talk to your doctor at least six weeks before your trip to allow time for any recommended or required vaccinations. Discuss your specific travel destinations and what shots you’ll need. Many take time to be effective. Some must be given in a series. While you’re there, make sure all your routine shots are up to date. The Centers for Disease Control and Prevention has a list of recommended shots for children and adults. Know Where You’re Traveling To stay safe, do your research and heed local warnings. Before you leave, stay informed about travel conditions abroad by checking the CDC's Travel Health notices. You’ll find up-to-date news and travel warnings about current health issues linked to specific destinations. These issues may spring from disease outbreaks, special events, natural disasters or other conditions that may affect travelers’ health and safety. Heading Home As you plan your trip, make sure you know what will be required to come back to the States. Because of COVID-19, there are things you may have to do before you can get on a plane or leave the airport, from having your temperature taken to taking a quick COVID-19 test. And travel from some countries back to the U.S. may be banned because of contagious disease outbreaks, including COVID, measles, malaria and yellow fever. Sources: 2023 Childhood & Adult Immunization Schedules , Centers for Disease Control and Prevention, 2023; Your Health Abroad , U.S. Department of State, 2024 Originally published February 19, 2015; Revised 2017, 2020, 2022, 2023, 2024PrescriptionsUnderstanding InsuranceID CardHealth Insurance NetworkTravelingImmunizationshttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/information-about-blue-card-insurance-when-you-travelFri, 22 Mar 2024 11:16:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:e56f2925-bc06-4e96-8cd0-73c4e7f29756BCBSIL Connect TeamAre you planning to travel outside the U.S.? Whether work sends you abroad or you travel for fun, the key is to be prepared. Before you travel, learn about your international health insurance options in case you need care while you’re away. Coverage Options Whether you have health coverage through an employer or an individually purchased plan, you have options for coverage when you’re traveling outside the U.S. If you have a Blue Cross and Blue Shield of Illinois plan through your job, you may have Blue Cross Blue Shield Global Core . Log in to your Blue Access for Members SM account or talk to your benefits administrator to find out if you have Global Core. Global Core allows you to use your medical coverage outside the U.S. Note that providers outside the U.S. may not be set up to handle copays and deductibles at the time of service. You may have to pay full costs up front and submit a claim when you return to the U.S. Also, your plan may not cover all costs for care you receive outside the U.S., such as medical evacuation. Whether or not your plan offers Global Core, GeoBlue ® travel medical plans may be an option for you. These plans cover illnesses, injuries and medical emergencies abroad for people up to age 95, even if they aren’t a member of a BCBSIL plan. Tips for Travel Outside of the U.S. Check your international benefits with your plan before leaving the United States. Benefits may be different outside the country. Talk to your independent, authorized agent or broker or visit our GeoBlue page to compare plans and see what best fits your travel needs. Review guidance from the U.S. State Department on travel restrictions, alerts and other important details. No matter where you go, be sure to carry your member ID card . Traveler’s Checklist: Protect Your Health While You Travel Whatever kind of vacation you like, there’s one thing that makes it go better — planning. A good first step as you plan your trip is to make sure you have everything you need to stay safe and healthy. No one wants sickness or injury to be part of your trip. But it’s best to be prepared . Originally published 7/28/2015; Revised 2017, 2021, 2023, 2024Benefits and CoverageBlue Cross Blue Shield Global® Core programUsing Health InsuranceBlue Access for MembersTravelinghttps://uat-bcbsil.telligenthosting.net/my-coverage-explained/b/weblog/posts/breast-pumpsThu, 21 Mar 2024 18:29:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:127ba31a-b766-4b5d-9883-c3764abfe832BCBSIL Connect TeamNourishing your newborn baby is one of the most important things you’ll do as a parent. Breastfeeding is a popular option for many parents — and for good reasons. Breast milk provides ideal nutrition that supports a baby’s growth and development. The Center for Disease Control and Prevention (CDC) reports it lowers an infant’s risk for ear infections, asthma, Type 1 diabetes, obesity and sudden infant death syndrome (SIDS). Anytime, Anywhere Convenience Along with important health benefits, breastfeeding does away with the need to mix formula or prepare bottles. It not only makes on-the-go feeding easy, stored breast milk allows both parents and other family members to share feeding duties. Breast pumps play a vital role in this flexibility, and Blue Cross and Blue Shield of Illinois is pleased to cover a variety of breast pumps to members whose health care plan includes this benefit. If you have a Flexible Spending Account, you can use your FSA dollars toward any out-of-pocket costs for your breast pump. We’re Here to Support Parents BCBSIL is honored to help support families as they prepare for their new baby . That’s why we offer breastfeeding support, counseling and supplies through our maternity benefits. You’ll find a lot is covered by your health insurance plan when you use an in-network provider — even manual and electric breast pumps . To get started, ask your in-network doctor or other care provider for a prescription for a breast pump . We can help you fill your prescription. Get Expert Guidance Call the number on your member ID card to speak with a Customer Advocate. The Customer Advocate will tell you: If your plan covers a breast pump. If it does, ask if both electric and hospital-grade models are covered. Some plans cover both an electric pump and the rental of a hospital-grade pump up to a certain dollar amount. Other plans may only cover one type of pump. Be sure to ask if there will be an out-of-pocket cost and what that cost may be. Full coverage may only apply to certain models of breast pumps. If your health plan requires a prescription for a breast pump. Which in-network providers or durable medical equipment (DME) suppliers in your network and state offer breast pumps and how to contact them. Before you call, you may want to do a little research to familiarize yourself with the different types of pumps. Which Breast Pump Is Right for You? Every pump is designed with a shield that covers the breast and a container that collects milk. There are some basic variations, though. Manual breast pumps don’t require batteries or electricity. Instead, the pump is worked by hand so it can be used anywhere. A manual pump is best for parents who don’t need to pump a lot of milk at one time. Electric pumps have a motor that uses electricity or batteries. They come in single- and double-pump models. Single-pump models collect milk from one breast at a time. Double-pump models can collect milk from both breasts at the same time. Many parents who attend school or work away from home choose double pumps because they work faster and are more convenient. Hospital-grade breast pumps have a more powerful motor for better suction. They are typically used in a hospital setting. The purchase cost of these pumps isn’t usually covered by a health plan. However, they can be rented by the month for home use. Hospital-grade breast pumps are usually only recommended for: Moms who have trouble establishing their milk supply Parents with premature babies, babies with health issues that may impact feeding, or those infants in NICU Parents of multiple babies Things to Keep in Mind You may not know how often you’ll need to pump until your baby arrives, but your third trimester is a good time to consider ordering your breast pump to ensure you have it before the delivery of your baby. If you’re not sure what kind of pump is best for you, talk with a breastfeeding counselor trained to help parents with breastfeeding issues. The U.S. Department of Health and Human Services’ Office on Women’s Health also offers a helpful information about breastfeeding , including the downloadable Your Guide to Breastfeeding . Let Us Help You Find a Breast Pump Call the number on your member ID card to speak with a Customer Advocate to obtain details of coverage offered by your specific plan. Our experienced service staff is truly empowered to serve as your advocates. You can also send secure messages via your Blue Access for Members SM account. Depending on your health plan, your benefits may include Women and Family Health. The program offers access to a nurse case manager who can help you find breast pumps and connect you with other breast feeding resources. Sources: Breastfeeding Benefits Both Baby and Mom , Centers for Disease Control and Prevention, 2023; Using a Breast Pump , March of Dimes, 2019; What to Know When Buying or Using a Breast Pump , U.S. Food and Drug Administration, 2023; Breastfeeding , American Academy of Pediatrics, 2024Benefits and CoveragePregnancyWomen’s Health