My Coverage Explained
How to Use Health Insurance
If you have a new health insurance plan, you probably have questions about how to use it. The two questions we get the most are “how do I choose a doctor?” and “how do I get prescriptions?”.
How to Find (the right) Doctor
Congrats on your new health insurance! Now it’s time to choose a doctor and make the most of your benefits. Choosing the one who is right for you is just that— a choice. Here are some tips on how to find a doctor or another health care provider to meet your needs::
Pick a doctor and test the waters. Schedule a visit and pay attention to how comfortable you feel talking with the doctor.If you’re not comfortable with your doctor, then it’s not a good fit and you should look for another one.
How to Get Prescriptions
Prescription drugs are an important part of your new health coverage. Your health plan will help pay the cost of certain drugs. To find out if your prescriptions are covered by your plan, log in to your account in Blue Access for MembersSM from our website. This list is also called a formulary or drug list. To look for your medicines, you will need to know:
If prescription medicine you take isn’t covered under your formulary, you can take these steps:
Where to Get Medications
Your new health insurance allows you to get your medications from many drug stores (called "network" pharmacies). Use the Provider Finder tool and select “pharmacies” to find out if your regular pharmacy is in your health plan's network and, if not, to find a network pharmacy near you. You might even be able to get your prescriptions delivered to you in the mail. Mail order prescriptions may cost you less.
Still looking for more information? Here’s how to make the most of your prescription drug benefits and new health insurance.
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I need a form to give my Doctor. My drug is covered under a higher their. There is no generic drug.
Hi Marilyn, If you're needing preauthorization for a specific drug, your provider should be able to submit that for you. If there's another form that you're needing, please let us know which one. ~ Heather
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