What Does My Health Insurance Plan Cover?

Your health insurance plan covers a number of items and services to help keep you and your family healthy.

Most medical plans cover:

• Emergency care
• Outpatient services
• Hospitalization
• Maternity and newborn care
• Mental health and substance use treatments
• Prescription drugs
• Rehabilitation services and devices
• Laboratory services
• Preventive and wellness services
• Chronic disease management
• Pediatric services

Your health plan might even offer more. It may also have certain rules around how, when and where you can receive the services or treatment. To prevent unwanted costs, it is a good idea to be familiar with your benefits.

How do I find out if something is covered by my plan?
Check Your Benefit Booklet
Your benefit booklet outlines what is and isn’t covered by your health plan. Your benefit booklet should be contained in your policy kit sent to you by mail or email.

Contact Customer Service
Some plans don’t have benefit booklets, Reach out to us to learn if a service, item or treatment is covered by your health plan:

• Call the customer service number on your member ID card
• Send us a secure message through Blue Access for Members^SM
• Send us a private message here on Connect, or find us on Facebook or Twitter

Originally published February 3, 2015; Revised 2017, 2021