benefits & coverage
We're at Your Service En Espanol, Every Step of the Way
If you or a family member would prefer to get information in Spanish, take advantage of the Spanish services and resources we offer to get the most benefit from your health care coverage.
That's Life! Making Changes to Your Health Plan
Getting married? Having a baby? Starting a new job? Life changes can affect your insurance benefits.
Need to Change Doctors?
Certain events can impact your benefits and coverage. In some cases, you may need to request transition of care services.
Are You Prepared for a Health Care Crisis Far from Home?
You found a pet sitter and asked a friend to water your plants, but did you plan for a health care emergency on your trip abroad? Read about one family’s experience with serious illness during a trip to Italy. And get our tips for how to be prepared for the unexpected.
Claim Not Approved? Here's What to Do
There is a process in place that will help if you have a claim or request for treatment that wasn’t approved.
BCBSIL Offers Independent External Review Process
Blue Cross and Blue Shield of Illinois (BCBSIL) has appeals and review processes that allow you to appeal decisions about paying claims, eligibility for coverage or ending coverage.
Prep Your College Student for a Healthy Year
You can help your college students stay healthy while they’re away at school.
How Does Our Quality Improvement (QI) Program Help You?
The words “quality improvement” can apply to just about anything. When Blue Cross and Blue Shield of Illinois talks about quality improvement (QI), we mean that our focus is on improving our members’ health. Find out what QI means for you.
Trying to Figure Out Health Care Costs? Get Help Online
Get a handle on the cost of hundreds of medical tests and procedures. Check out the Cost Estimator section of the Provider Finder® tool.
Make the Most of Your Member Perks
Are you using your member perks? Do you know what’s available to you? Don’t leave perks on the table.
Save on Healthy Lifestyle Aids with the Blue365® Program
Who doesn't love a bargain? Blue Cross and Blue Shield of Illinois members are eligible for Blue365, a program that provides discounts on a variety of everyday needs and healthy lifestyle aids related to fitness, personal care, healthy eating, financial health, lifestyle and wellness.
Find a Doctor Who's a Good Fit for You
Having an established, positive relationship with your doctor is an important part of taking good care of yourself. But what if it’s time to make a change? Get tips on how to find the doctor who is right for you.
Are You Prepared for a Natural Disaster?
Along with flowers and sunshine, spring and summer can bring severe weather and wildfires. There are steps you can take to help stay safe before, during and after a natural disaster. Find out how to prepare and how we can help you.
When a Doctor's Visit Doesn't Include a Doctor
Sometimes you go to your doctor's office, but you don't actually see your doctor. What do you need to know about physician assistants and nurse practitioners?
Communication Can Help You Get the Most from Your Plan
There are some key communications that may impact your coverage and cost sharing. What do you need to know?
Got a Question? No Appointment Necessary (Sometimes)
What happens when you have a question, but you don't have an appointment, and you don't know if you need to make an appointment to answer your question? We can help you find out with our member communication tools.
Complex Health Management Made Easier
Blue Cross and Blue Shield of Illinois (BCBSIL) has a special program to help you manage complex health problems.
When You Want to Know More, Start Here
When you want to know more about a health condition or how your coverage works, Blue Access for MembersSM (BAMSM) and MyPrime.com are great places to start.
Our Staff Can Help You Better Manage Your Care
If you have questions about your medical condition and how to coordinate your care, our utilization management staff can help you.
Take Steps to Protect Your Health Information from Identity Theft
Worried about the increase in identity thefts? Your first thoughts might be about money - your bank or credit card accounts. But safeguarding your health information can be just as important. Protecting your member identification is key.
Prepare for a Prescription: 3 Steps for Saving Time and Money
Knowing ahead of time where to go and what you may need to pay for your prescription can save time and money.
What You Need to Prove Health Coverage when Filing Your Taxes
When you file your federal income tax this year, you'll need to show you had health insurance in 2017. You aren't on your own - you'll receive a 1095 form with the information you need.
Create a Stronger Password for Your Blue Access for MembersSM (BAMSM) Account
Do you have a Blue Access for Members account? If so, the next time you log in, you may be asked to create a stronger password. Stronger passwords help keep identity thieves from accessing your personal information.
Use Network Pharmacies to Save Money
Going to an in-network pharmacy may save you money on your prescriptions and help avoid additional costs.
Retail, Urgent or Outpatient? How Can You Tell the Difference?
All clinics are not alike. But sometimes it’s hard to tell the type of clinic by what it’s called. Learn how to find the care you need at a lower cost to you by choosing the right clinic for your needs.
8 Things You Should Know About Deductibles
Insurance terms can often sound like a foreign language. For example, do you know what a deductible is? We’ve answered eight common questions to help you understand deductibles and how they work.
Your Health Benefit Cheat Sheet: Check Your Summary of Benefits and Coverage
Do you ever wish that the basic details about your health coverage could be contained in some sort of “cheat sheet”? Well there is one. Find a wealth of information in your Summary of Benefits and Coverage (SBC).
Don't Let Balance Bills Throw You Off Balance
You pay your premium, your deductible, your copay. Then you get a huge bill? That can happen because of balance billing. Find out how to avoid balance bills when possible.
Start the Year Off Right: Review Your Benefits
Now is a good time to get to know more about your health benefits. The more you know, the better you can look after your health throughout the year.
Where Do You Go When You Need Care?
Doctor’s office? Retail clinics like you might find inside a pharmacy? Urgent care centers? It’s not always easy to know where to go for care. Do your research now so you’ll be ready if you need it. Here’s a guide that can help.
Keep Your Member ID Card Close
Your member ID card holds the information you’ll need to take good care of your health.
Tired of dealing with all those stacks of paper? Go paperless to help declutter your life this year. Find out how easy it is to stop receiving paper statements from Blue Cross and Blue Shield of Illinois.
Understanding Your Prescription Coverage: Drug Lists
Understanding what tiers and drug lists are can help you save money on your prescription drugs. We’ve covered the basics to keep you in the know about prescription coverage.
Save Time with Health Tracking and Organizing Tools
Convenience is key when looking at your health care spending for the year. “Did I reach my deductible? How much did I spend on prescriptions?” This information and much more is available at your fingertips — without having to call.
Get a Gift When You Give a Gift of Better Health
During this season of giving, why not give a gift of better health? The Well onTarget® Fitness Program offers one month free when you refer a friend. And your friend will receive a free month, too.
How to Choose Health Care Coverage
Do you know what you need to consider when choosing health care coverage? Take stock of your budget and how you and your family use your current coverage. Then look at your options.
What Does It All Mean? Part 3 of Our Series
Do you know the difference between coinsurance and copays?
The End (of the Year) Is Near: Use Your Benefits
There’s still time to schedule health appointments you’ve missed or have procedures you want to get in before 2017 draws to a close. And you may be able to save money by having them now.
24/7 Nurseline or Virtual Visits: What's the Difference?
When is it best to call the 24/7 Nurseline? When might it make more sense to try Virtual Visits?
Are You Ready for Open Enrollment?
Open enrollment for 2019 is just around the corner. Here are some updates and reminders about the process that may be helpful as you shop.
Health Care Coverage: It Isn't Just for Grownups
You can’t protect your kids from everything. But it’s a comfort to know your child is covered, whether it’s for wellness checkups, shots, or those fevers and spills that sometimes happen.
The Doctor Will See You Now - with Virtual Visits!
Talk to a doctor from your home, office or on the go. Virtual Visits provides care when and where you need it.
Find Healthy Deals with Blue365®
Learn how we can make living healthy a little easier with discounts on many health products and services.
Preventive Care or Medical Care? There Can Be Significant Differences
Do you know the difference between preventive and medical care?
Need Information? Here's Where to Find It
We offer several options for getting answers to your questions. Learn where to go to get answers and communicate with Blue Cross and Blue Shield of Illinois.
Provider Finder® May Save You Money
Do you ever worry about surprise expenses cutting into your budget? You can’t always control when they happen, but you may have options for how much unexpected health care expenses cost you.
What Does It All Mean? Part 2 of Our Series
This month’s feature breaks down what “in-network” and “non-contracted” terms mean. Understanding these terms can help you get the best value for your health care benefits.
Learn the Difference Between Urgent Care Centers and ERs
Do you know the difference between urgent care centers and an emergency room (ER)? Knowing which one to choose for care could save you money.
Protect Your Medical Identity the Right Way
Learn how you can protect yourself and your family from medical identity fraud.
Behavioral Health Care Coverage: Does Your Teen Need Help?
The teen years can be a challenge. Most teens will grow out of their issues. But some may need professional help. Find out how to get started.
Get Flu Shots at No Charge
Ever wonder why there is no charge for flu shots? It’s because it makes good sense.
Are You Achieving Your Health Goals This Year?
Every year, we start off with the best of intentions for getting healthier. But as the year goes by, many of us lose our motivation. If you need to get back on track, Well onTarget® can help.
Help Keep Your Health Data Secure
You know to keep your identity and financial information secure. It’s also important to keep your health coverage details secure.
What Does It All Mean? Part 1 of Our Series
Get our guide to common health coverage terms.
You've Had Your Annual Exam. Now What?
You finally got your annual exam. So what happens next? Find out what to ask about and keep track of following your annual exam.
Keeping Your Shots Up to Date — We Have You Covered
The kids are going back to school, and flu season is just around the corner. So it’s time to think about immunizations and flu shots.
Get Our Top 4 Tips for Saving Money at the Pharmacy
A little knowledge can help you keep your out-of-pocket costs down. Get the prescription for potential savings on your prescription drugs.
Find Out What Your Health Plan Covers
Have you read your Summary of Benefits and Coverage (SBC)? To get the most out of your health plan, find out what’s covered for HMO members.
Use MyPrime.com for 24/7 Pharmacy and Drug List Details
You can find pharmacy and drug information while you’re traveling with MyPrime.com. MyPrime.com is the website for Prime Therapeutics, which manages your drug benefit.
ER vs. Urgent Care: Summer Edition
Choosing between an ER and urgent care can make a difference to your health and your wallet. Many summer activities may lead to having to make this decision.
Protect Your Child's Health with Preventive Services
These summer months without hectic school schedules offer a good chance to take care of kids’ wellness exams. Get tips for preparing for your visit.
Use Those Essential Health Benefits - They're Essential!
There’s a reason preventive services are part of Essential Health Benefits. They are essential to your health! Don’t forget them and miss out on your plan benefits.
What Are Your Rights and Responsibilities as an HMO Member?
As a Blue Cross and Blue Shield of Illinois HMO member, you have certain rights and responsibilities. They are designed to help you get the most out of your health benefits.
We're Helping Hospitals Improve Surgical Care
We’re working with the Illinois Surgical Quality Improvement Collaborative (ISQIC) to improve surgical care. The ISQIC aims to reduce the length of hospital stays, the frequency of repeat visits for the same issue and preventable deaths.
Keeping a Medical History Provides a Roadmap to Better Care
It’s important to keep your doctor up to speed on your health and medical history. The more your doctor knows about you, the better care you’ll get.
Take Your Health Personally - Take the Health Assessment
You may be surprised what you can learn, and earn, by taking the Well onTarget® Health Assessment.
Meet Your New and Improved Explanation of Benefits
Your Explanation of Benefits (EOB) has a fresh new design to help you better understand your health care spending.
Who Makes Decisions About My Health Care?
You and your doctor decide on your health care treatment.
Learn the Ins and Outs of Annual Exams
Take advantage of preventive care services to help catch health problems early - before they become serious. And you may save money, too.
Plan for a Year of Good Health
Make preventive care a priority: schedule your annual exam and preventive health screenings for you and your family. Check out our wellness guidelines for adults and children.
Check Out Some Features of Your 2017 Health Plan
How well do you know your new 2017 health coverage? Let’s take a look at some highlights.
Pharmacy Network Changes May Help You Save Money
Does your 2017 health plan have a Preferred Pharmacy network? Using participating pharmacies could save you money. Find out about 2017 prescription drug benefit changes.
We Respect Your Right to Privacy
We know your privacy is important to you. It’s important to us, too. That’s why we make sure it’s protected.
Our Team’s Mission Is to Help Members in All Seasons of Life
Blue Cross and Blue Shield’s Seasons of Life team helps families who have lost a loved one navigate their health insurance paperwork. The team also helps out members who have suffered losses or been displaced or injured during disasters, like floods, storms or fires.
Wondering If a New Treatment Is Right for You?
Are you curious about a new treatment? Would it help you? Do your benefits cover it? Blue Cross and Blue Shield of Illinois monitors the latest medical advancements that might help you stay healthy.
Members Can Save on Cord Blood Storage with Blue365®
Each year, thousands of people with leukemia, lymphoma or certain immune system or genetic metabolic disorders need umbilical cord blood or bone marrow transplants. And you can save on cord blood storage with Blue365.
Need Reconstructive Surgery After a Mastectomy? You're Covered
It’s normal to be anxious if you find out you need to have a mastectomy. But you may find some comfort in knowing that your health plan benefits will cover reconstructive surgery after your mastectomy.
Women: Choose Your Own Woman's Principal Health Care Provider
Women who have a Blue Cross and Blue Shield of Illinois HMO health plan can choose a Woman’s Principal Health Care Provider (WPHCP) for their care. What does a WPHCP do?
BCBSIL Helps Create Safe Play Spaces for Kids
Giving children chances to play at a young age can instill the importance of being active and help make exercise part of their daily lives.
HMO Members: Get Help When You Need It Most
Blue Cross and Blue Shield of Illinois has a special program to help you manage complex health problems.
Get the Most Mileage from Your Physical Therapy
Injuries can be an unfortunate part of enjoying summer activities. If they happen, physical therapy may be helpful.
Be Prepared for an Emergency
Get tips on how to prepare for an emergency before a crisis happens.
Need to See a Dermatologist? We've Got You Covered
Annual visits to check for signs of skin cancer are a must.
Get Our Top Tips to Make the Most of Your Health Plan
Are you taking advantage of everything your Blue Cross and Blue Shield of Illinois (BCBSIL) health plan offers?
Low Back Pain and Imaging Tests: Know the Facts
When it comes to treating back pain, are you making the right choices?