What Does My Health Insurance Plan Cover?

Good news! Your health insurance plan covers a number of items and services. Most of our medical plans follow the Affordable Care Act guidelines and cover:

• Emergency care
• Ambulatory patient services
• Hospitalization
• Maternity and newborn care
• Mental health and substance use disorder services
• Prescription drugs
• Rehabilitative services and devices
• Laboratory services
• Preventive and wellness services
• Chronic disease management
• Pediatric services

Your health plan might even offer more coverage than what is listed above. It may also have certain rules around how, when and where you can have the service 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 will outline what is and isn’t covered by your health plan. You should have received your benefit booklet in your policy kit, either by mail or email.

Contact Customer Service
Some plans don’t have benefit booklets, but there are other ways you can find out 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