bcbs healthy benefits for a Healthier You

Living a healthier lifestyle can be overwhelming, but with the right tools and resources, you can achieve your goals. BCBS Healthy Benefits offers a range of programs to help you get started.

You can receive personalized coaching and support through their online platform, which includes tools to track your progress and set achievable goals. This can help you stay motivated and on track.

BCBS Healthy Benefits also provides access to a network of wellness professionals who can offer guidance and support. This can be especially helpful if you're struggling to make healthy changes on your own.

With BCBS Healthy Benefits, you can take the first step towards a healthier you and start seeing results in no time.

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Health insurance can be a complex topic, but understanding the basics can make a big difference in your life.

It's essential to know that Blue Cross Blue Shield (BCBS) is a network of health insurance companies that offer a range of plans to suit different needs and budgets.

BCBS Healthy Benefits plans often include preventive care services at no additional cost, such as annual physicals, vaccinations, and screenings.

By choosing a BCBS Healthy Benefits plan, you can enjoy peace of mind knowing that you're covered for unexpected medical expenses.

Health insurance can be overwhelming, but understanding your core benefits can make a big difference. Your health insurance plan should cover medically necessary services, and some plans, like Blue Cross Complete, cover a wide range of benefits.

These benefits may include preventive and routine healthcare, medical supplies, urgent and emergency care, medicines, and even transportation to and from covered medical services. You can find more information about your specific benefits in your Blue Cross Complete Member Handbook, Certificate of Coverage, or Benefits Snapshot.

As a Blue Cross Complete member, you're not required to pay for covered services from network providers. If you're currently receiving services from a provider prior to enrolling, you may be able to continue getting these services for 90 days. This can also include certain prescriptions without prior authorizations.

To establish continuity of care, you'll need to have a relationship with a specialist, primary care provider, or other covered provider prior to enrolling. You can request continuity of care by calling the Rapid Response Outreach Team or your care manager.

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Here's a summary of your core benefits:

Keep in mind that your specific benefits may vary depending on your plan, so it's essential to review your Member Handbook and Certificate of Coverage for more information.

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BCBSA offers a range of health, dental, and vision plans to employees, as well as to eligible spouses and dependents. This includes medical and prescription drug coverage.

You can manage your coverage and access important information through My Health Toolkit. This online platform provides a snapshot of your coverage, including who's enrolled in your plan and your deductible and out-of-pocket balances.

Recent health claims are also available to view in My Health Toolkit. This can help you stay on top of your medical expenses and plan for future costs.

My Health Toolkit also allows you to find out how much your plan covers for certain services, such as emergency care, office visits, and urgent care. You can also view information on copays, coinsurance, and whether or not you need a referral.

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Physical health is essential to overall wellness. We offer a competitive benefits plan that encourages employees to adopt healthy habits and behaviors.

Our digital health programs provide valuable resources to support a healthy lifestyle. We also offer a lifestyle spending account to help employees make healthy choices.

By taking care of our physical health, we can enhance the enjoyment and quality of life.

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Taking care of your physical health is a top priority, and it's essential to adopt healthy habits and behaviors that will enhance the enjoyment and quality of life. We offer a competitive benefits plan that includes digital health programs to help you get started.

A lifestyle spending account is also available to help you cover expenses related to your physical health. This can be a great way to take care of yourself and your family's needs.

Regular exercise is crucial for maintaining physical health, and we offer corporate discounts on bike shares and fitness memberships to make it more accessible. Many employees have found these programs to be a great motivator for getting active and staying healthy.

Hospital and Surgical Treatment is an essential part of physical health care. We cover a range of services to help you get the care you need.

Outpatient surgical services are included, which means you can receive surgery without having to stay overnight in the hospital. This can be a huge relief for many people.

Chemotherapy and other drug treatments for cancer are also covered. This can be a lifesaving treatment for those diagnosed with cancer.

Dialysis and treatment of kidney disease, including end-stage renal disease, are included in our coverage. This can be a crucial treatment for those with kidney disease.

The cost of a shared hospital room is covered, which can be a significant expense. This can help take some of the financial burden off your shoulders.

Lab work, x-rays, imaging services, therapies, and other medical supplies are all covered while you're in the hospital. This can be a huge weight off your mind, knowing that you'll have access to the care you need.

Home health care and skilled nursing services can be a lifesaver for those in need of long-term care.

Short-term skilled nursing home services are available to provide temporary care, but long-term care is provided by the state of Michigan.

Home health care services are designed for members who are homebound, receiving care in the comfort of their own homes.

Supplies and equipment related to home health care are also covered, making it easier to receive care at home.

Hospice care is available for those in need of end-of-life care, providing comfort and support during a difficult time.

Here are some examples of home health care services that may be covered:

Durable medical equipment is a crucial aspect of managing certain medical conditions. We cover a wide range of equipment to help individuals with their daily needs.

Nebulizers, catheters, and crutches are just a few examples of the types of equipment we cover. These devices can greatly improve the quality of life for those who need them.

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To get durable medical equipment, you'll need a prescription from your doctor. This is a standard requirement to ensure that the equipment is necessary for your specific condition.

You may also need authorization from us before receiving the equipment. This is to ensure that the equipment is covered under our plan.

Manual wheelchairs, prosthetics, and orthotics are also covered under our plan. These devices can help individuals with mobility issues or injuries.

To find network durable medical equipment providers, call Customer Service at 1-800-228-8554. TTY users should call 1-888-987-5832 for assistance.

Here are some examples of disposable medical supplies we cover:

These supplies can be a vital part of managing diabetes and other medical conditions.

Mental health services are covered for members with mild to moderate mental health needs, and you can find a network mental health provider in your area by calling 1-800-228-8554.

You can also give your doctor permission to share your behavioral health records with other providers by filling out the Michigan Behavioral Health Standard Consent Form at michigan.gov/bhconsent.

If you need emergency care for a life-threatening condition, or if you’re having thoughts of suicide or death, go to the nearest emergency room or call 911.

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Mental health services are covered for members with mild to moderate mental health needs. This includes medically necessary outpatient services.

You can find a network mental health provider in your area by calling 1-800-228-8554. TTY users should call 1-888-987-5832.

If you need emergency care for a life-threatening condition, or if you’re having thoughts of suicide or death, go to the nearest emergency room or call 911.

Taking care of your vision is just as important as taking care of your mental health. Regular eye exams can help detect problems before they become serious issues.

Routine eye exams are covered every two years, and nonroutine exams are available for chronic, acute, or sudden eye problems. If you need glasses, you're eligible for one pair every two years, and replacements are covered if your glasses are lost, stolen, or broken beyond repair.

Glaucoma screenings are required every year, and retinal eye exams are available for members with diabetes without needing a referral. These services must be done at a network vision center, which you can find by calling Customer Service at 1-800-228-8554 or TTY users at 1-888-987-5832.

Here's a quick rundown of what's covered:

As a Blue Cross Complete member, you're eligible for pharmacy benefits that can help you save on prescription and over-the-counter medicines. You can fill these prescriptions at a participating network pharmacy.

Pharmacy benefits can be used for a wide range of medications, including prescription and over-the-counter medicines. You can visit the pharmacy page for more information on your specific benefits.

If you're looking for ways to save on non-prescription items, you may be able to get them shipped directly to you from a catalog. This can be a convenient option for members who want to stock up on health-related products.

As a Blue Cross Complete member, you're eligible for pharmacy benefits that can be used to fill select prescription and over-the-counter medicines at a participating network pharmacy.

You can visit the pharmacy page for an in-depth look at your pharmacy benefits. This will give you a clear understanding of what's covered and how to make the most of your pharmacy benefits.

Over-the-counter medicines and health-related pharmacy products may be covered by your plan, allowing you to select these items from a catalog and have them shipped directly to you.

The Blue365 Wellness Discount Program is a fantastic resource for those looking to save on health and wellness expenses. It's a free member program that offers discounts on exercise clothes and shoes.

You can use these discounts to upgrade your workout gear or try out a new fitness routine. Gym memberships and fitness aids are also eligible for discounts through this program.

Eye exams, glasses, contacts, and hearing aids are all included in the discounts offered by Blue365. This can be a huge help for those who need to stay on top of their vision and hearing health.

By taking advantage of the Blue365 Wellness Discount Program, you can save money on the things you need to stay healthy and active.

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As part of BCBS Healthy Benefits, life insurance is an essential component of your overall wellness package. Life insurance offers financial protection for your loved ones in case something unexpected happens to you.

You'll receive basic term life insurance at no cost, providing a safety net for your family. This coverage is a vital aspect of your benefit package.

If you need more protection, you can opt for additional life insurance buy-up options. These allow you to customize your coverage to fit your unique needs.

You can also purchase supplemental group universal life insurance for yourself and/or your dependents. This option provides long-term financial security.

Here are your life insurance options:

Note that you may need to satisfy evidence of insurability to qualify for some of these options.

As a BCBS Healthy Benefits member, you'll have access to a wide range of dental services, including routine cleanings, fillings, and extractions.

You'll also have coverage for other essential services, such as eye exams and glasses, as well as hearing exams and hearing aids.

BCBS Healthy Benefits covers 100% of the cost for routine cleanings and exams, making it easy to stay on top of your oral health.

For fillings and extractions, you'll pay a copayment, which is a fraction of the total cost.

You can use your BCBS Healthy Benefits to get eye exams and glasses, and even contact lenses, at participating providers.

Hearing exams and hearing aids are also covered, with a copayment for hearing aids.

BCBS Healthy Benefits covers 100% of the cost for hearing exams, making it easy to identify any hearing issues early on.

The copayment for hearing aids is a small fraction of the total cost, making it more affordable to get the hearing aids you need.

As a member, you can take advantage of exclusive discounts on a wide range of health and wellness products and services through the Blue365 Wellness Discount Program.

You can save money on exercise clothes and shoes, gym memberships, and fitness aids, making it easier to stay active and healthy.

Discounts are also available on eye exams, glasses, contacts, and hearing aids, helping you take care of your vision and hearing needs.

This free member program offers significant savings on everyday expenses, allowing you to allocate more resources towards your overall well-being.

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Managing your BCBS health coverage is easier than ever with the right tools and resources. You can log into My Health Toolkit to get a snapshot of your coverage, including who's enrolled in your plan, deductible and out-of-pocket balances, and recent health claims.

You'll also find information on copays, coinsurance, and whether or not you need a referral. It's like having your health insurance plan's details at your fingertips!

To confirm what services your health insurance plan covers, learn more about your copays and coinsurance, or see how close you are to meeting your deductible, log into My Health Toolkit anytime from anywhere – or use the mobile app for added convenience.

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Understanding how your health coverage varies can be a bit confusing, but it's essential to know what to expect from your plan. Your plan may cover 100 percent of the cost for preventive services, but you may need to meet a deductible and then pay a percentage of the cost for other services.

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Coverage may not be the same for all types of care, so it's essential to review your plan's terms. Some plans will only pay if you seek care from in-network doctors, while others may require a referral or prior authorization before treatment.

You'll need to log into My Health Toolkit to get a snapshot of your coverage, including who's enrolled in your plan, deductible and out-of-pocket balances, and recent health claims. This will give you a clear picture of what's covered and what's not.

Here's a breakdown of what you can expect to find in My Health Toolkit:

By understanding how your health coverage varies, you can make informed decisions about your care and avoid unexpected expenses.

BCBSA offers a range of health, dental, and vision plans to employees, as well as to eligible spouses and dependents. These plans cover medical, prescription drug, dental, and vision services.

You can confirm what services your health insurance plan covers using My Health Toolkit. This online resource provides up-to-date information about your specific health plan coverage.

My Health Toolkit allows you to log in from anywhere and view your copays and coinsurance rates. You can also use the mobile app for added convenience.

The My Health Toolkit mobile app is available through the App Store or Google Play.

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