We continue to expand access
to urgent care centers for nonemergency
care when your doctor’s
office is closed. These centers cost
less than hospital emergency rooms
and often are more convenient and
less time-consuming. To locate the
participating urgent care center
nearest you, visit our website or call
the customer service number on
your member ID card.
www.bcbsfl.com
Click on Provider Directory
Click on Category
Select Urgent Care Centers from the drop-down menu
If you are admitted to the hospital,
you are responsible for a Hospital
Per Admission Deductible. This
deductible applies to every person
covered under your plan for each
admission. The Per Admission
Deductible is separate from the regular
calendar-year deductible, which
applies to medical services.
Likewise, you are responsible for a
separate Emergency Room Per Visit
Deductible for each covered person
who goes to a hospital emergency
room. This deductible also does not
count toward your calendar-year
deductible. However, if you go to an
emergency room and are admitted to
the hospital, the Emergency Room
Per Visit Deductible is waived.
Check your Benefit Booklet
If you receive a letter from Blue Cross
and Blue Shield of Florida requesting
additional information about your
injury or illness and other insurance
coverage, your prompt reply is vital
to getting claims paid. Insurance
regulations require insurers to
coordinate benefits when there is
more than one policy in effect, as
when a husband and wife both have
health care coverage from their
respective employers. One insurer
is considered primary, the other
secondary. The primary pays its
responsibility first. The secondary
can then provide benefits for covered
services not paid by the primary.
In addition, certain injuries or illnesses
may be covered by other types
of insurance. For example, if you are
in an automobile accident, your
medical claims may be covered
under your auto policy, which would
be considered the primary carrier.
If you are hurt on the job, your company’s
workers’ compensation policy
pays applicable benefits.
Check your Benefit Booklet
Stretch your prescription drug benefits
and reduce your out-of-pocket
costs by choosing generic drugs
whenever possible. More reasonably
priced generic drugs approved by the
Food and Drug Administration (FDA)
are just as safe and effective as their
branded counterparts. Talk with your
physician about this; most brandname
medications have generic
alternatives.
www.fda.gov
Our online member self-service
center lets you get in touch with
your health plan at your convenience.
Once registered with our
secure, confidential site, you can
view your current claims and
benefits, request a duplicate ID
card and change your address or
primary care physician. You’ll also
have access to a wealth of health
information through the Dialog
Center™ by Health Dialog® and
Hospital Advisor™ by Subimo™.
Go to www.bcbsfl.com and click
on MyBlueService to learn more
and to register.
www.bcbsfl.com
