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Hello and welcome! Understanding how your health insurance works can be confusing. We hope that engaging in this fun series will leave you empowered to use your health insurance wisely and feel satisfied with the amount of coverage you get for the payments you make every month. We’ll show you how if you have a higher cost every month upfront, you may get more coverage when you need it. On the flip side, if you choose a less expensive plan upfront, you’ll pay more out of pocket if you get hurt or sick. We want you to know why it works that way. Maybe this information will even help to shape how you choose to buy your health insurance next year, or help you decide to start investing in your health this year. We want you to be safe and be covered so you have a better quality of life with the peace of mind that you will be taken care of if a major health incident happens in your life.
We want you to be happy with the service you receive from us here at Blue Cross and Blue Shield of Illinois, and we are dedicated to making sure that your coverage is transparent so you know where your health care dollar goes. In this “Cost of Care” series, we will be discussing the cost of health care in pieces, and breaking them down so it’s easier for you to understand. We hope that talking about where your monthly payment goes will help you to understand and be more comfortable with the cost of care. At the end of this series, you’ll see how the breakdown of your monthly payment works to cover your doctor’s appointments, hospital visits, prescription drugs, physical therapy, durable medical equipment like wheelchairs, medical tests and more.
Throughout the series please feel free to engage us with your questions, comments and concerns. We encourage you to get every uncertainty on the table so you will feel more confident in the coverage you are receiving from us.
Next up, Where do My Payments Go?
Hi Marlene, If you'd like to send us a private message our team can take a look at your claim and see what's going on. ~ Kayla
I am trying to understand why, after my doctor receiving approval for a cat scan, BCBS only paid $179.61 for a $2628.00 test. I understand co-pays and deductibles, but what about this is ''affordable''? Do I have any recourse? If I died and my children were planning my funeral, they would be entitled to up front pricing. I never had these type of charges before medical insurance was mandatory. I already pay $86.08 per week, through my employer, for health care coverage. I expected $500-$1000, but $2400?! If I didn't work and had Medicaid, hospitals would take what Medicaid paid and never even send me a bill for the rest. Is there anything I can do?
Hi Groggo, I wanted to let you know we received your other message and I have responded to you there. ~ Kayla
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