Blue Cross Blue Shield x ray coverage

All plans also offer preventive services at no charge. You won’t pay a copay or coinsurance for these services and you don’t need to meet your deductible before you use these services. Preventive services include:

When the next plan year begins, your deductible and coinsurance reset. You are once again responsible for the $4,000 deductible and 25% coinsurance.

Example #2: Coinsurance Afer You've Met Your Deductible

Let's say you fracture your hand while playing sports and you need an X-ray. If you've already met your annual $4,000 deductible, your coinsurance goes into effect. In this example, that means that your plan now pays for 75% of your benefits while you pay the other 25%.

Here's a break down of those costs:

• The X-ray for your hand costs $200.
• Your plan covers 75%, which is $150.
• The amount you pay out-of-pocket cost, or your coinsurance, is $50.

Example #3: Maximum Limits

Your health plan sets a maximum limit for certain tests, procedures and medical services. This means that it will cover up to a certain amount for these services. These limits help lower costs for all members by keeping rates fair and reasonable.

As a Blue Cross Community Health Plans member, you have access to medical, dental, vision, behavioral health, prescription drug coverage and more. Some special benefits include:

• Zero co-pays: You pay nothing ($0) when you go to a doctor or health care provider in the plan's network.
• 24/7 Nurseline: If you have questions, our nurses have answers. This help line is staffed all day, every day with registered nurses. If you have an unexpected medical situation, call the Nurseline at 1-888-343-2697. A nurse can help you decide if you should call your doctor, visit the ER or urgent care, or treat the problem at home.
• Blue365®: Save money on health and wellness products and services through this online discount program. Sign up for email alerts to see new offers.
   

When you’re feeling sick or are injured, there are several places you can go for medical care: a doctor’s office, an urgent care center, a retail health clinic or the emergency room. Here’s a quick guide to help you know where to go, based on the urgency of your ailment and your budget. BCBS members can can visit the Blue Cross Blue Shield Provider Finder to find in-network providers. This includes doctors, dentists, hospitals, urgent care centers, and more. You can also log into your local BCBS company's site. 

The Doctor’s Office Is Your First Option for Non-Emergencies

Your primary care doctor should be your first call in non-emergency situations. Your doctor knows you and your health history, including what medications you are taking and what chronic conditions might need to be considered in your treatment. Plus, the co-pay for a visit to your doctor’s office will cost far less than a trip to the emergency room. This option can also help you avoid the long wait times typically found in an emergency room. Even if your doctor is unavailable or not an expert in the area of care you need, he or she can refer you to a specialist or another medical professional.

If you don’t have a primary care doctor, take some time to review the options in your network and select one. If you are a BCBS member, you can use the Blue Cross Blue Shield Provider Finder to help your research. You can also read our tips on how to choose a doctor that’s right for you.

Urgent Care Centers and Retail Health Clinics Offer Affordable Alternatives

If you can’t reach your doctor or need care outside of regular office hours, urgent care centers and retail health clinics are good options. Retail health clinics are walk-in clinics found in many large pharmacies and retail stores. They are staffed by nurse practitioners and physician assistants and are designed to treat simple conditions, like cold and flu, ear infections and skin conditions. Urgent care centers have physicians on staff and can provide care for a greater range of conditions, including performing x-rays.

In most cases, the out-of-pocket cost for visiting a retail health clinic or urgent care center will cost less than a trip to the emergency room, but it’s always a good idea to check to make sure the location you select is covered by your plan. BCBS members can use the Blue Cross Blue Shield Provider Finder to locate in-network facilities. You can find a list of the urgent care centers in your network on your Blue Cross Blue Shield (BCBS) company’s website, or by calling the 1-800 number on the back of your member ID card.

24-Hour Nurse Lines Provide Phone Consultations

Many BCBS companies also offer a 24-hour nurse line, which you can call any time with questions about your symptoms, complications from medication or advice on when to go to the doctor or emergency room. Check the back of your member ID card or your local BCBS company’s website for more information.

Emergency Rooms Treat Serious Issues

Emergency rooms are designed to treat urgent, acute and life threatening conditions and aren’t the place for routine care or minor ailments. If you feel you are dealing with a health emergency, call 911 or go to the emergency room right away. Otherwise, one of the above options will save you time and money, and clear the way for patients in need of emergency treatment. BCBS members can use the Blue Cross Blue Shield Provider Finder to find nearby emergency rooms.