Some Blue Cross and Blue Shield companies also offer a toll-free 24-hour nurse line, which you can find on the back of your member card, or by visiting your BCBS company website. If you feel your condition doesn’t require the emergency room, call your personal physician or go to a walk-in clinic or urgent care center. Emergency room copayments or coinsurance will cost you far more, likely between $100-$300. Office visit copayments or coinsurance typically cost around $10-$30. What's more, you'll pay far more out-of-pocket for emergency room care. They face long waits for care they could receive more quickly in a physician’s office. However, every year millions of Americans use the emergency room for routine medical care. Urgent Care (office setting) Copay waived if admitted. It may seem obvious, but emergency rooms are not the place for routine care. In some cases, such as a stroke or heart attack, delays in treatment often lead to more serious consequences. If you feel it’s an emergency, act quickly – don’t hesitate. Anthem Blue Cross and Anthem Blue Cross Life and Health Insura nce. as well as any deductible & percentage copay Anthem Blue Cross is the trade name of Blue Cross of California. Or call the 1-800 number on the back of your member card. Urgent Care 25 copay per visit (deductible waived) 40 coinsurance Outpatient Mental/Behavioral Health and Substance Abuse Doctor office visit Facility visit. You can also find in-network doctors and hospitals with our provider directory. Need help finding a physician? Read our Five Tips for Choosing a New Primary Care Physician. It’s one of the main benefits of having a physician who knows you.” Your physician’s office or on-call service is trained to guide you through these events. Don’t hesitate when it comes to calling your personal physician in urgent care situations. “You should be able to talk to your personal physician about anything. According to Gutshall, if you don’t have a personal physician, make it a priority to find one. Tim Gutshall, family physician and chief medical officer at Wellmark Blue Cross and Blue Shield. Having a relationship with a personal physician is the most important thing you can do for your health,” says Dr. You can also find additional suggestions on how to choose where to go to seek treatment for common health problems on. Below, The Blues® offer some guidance on how to determine the right destination for your treatment needs. There are three places available for you to seek care: your physician’s office, an urgent-care or walk-in clinic, or the emergency room. (You can find out more about your coverage by calling the number on the back of your member card or by visiting your BCBS company website.) This includes doctors, dentists, hospitals, urgent care centers, and more. BCBS members can can visit the Blue Cross Blue Shield Provider Finder to find in-network providers. We know you don’t expect to get sick, or anticipate an accidental injury or life-threatening health event, but when an ailment strikes knowing where to go can help relieve some of the worry and stress. There are several places you can go for medical care: a doctor’s office, an urgent care center, a retail health clinic or the emergency room. The answer is putting your insurance to use. ![]() So they’d rather have a higher premium, but a lower deductible.When If you’re one of the millions of Americans with a new Blue Cross Blue Shield health insurance plan, congratulations! You’ve successfully enrolled with the oldest and largest health insurance network in America and can enjoy the security of unparalleled access to quality, affordable healthcare. Some people like knowing that when they need their insurance, they won’t have to come up with a large sum of money before their health plan starts helping with the cost. You’ll pay more each month, but your health plan will start sharing the costs sooner because you’ll reach your deductible faster. The lower a health plan’s deductible, the higher the premium. It can make your expenses less predictable, since you never know when you might end up with a lot of medical bills. walk-in centers, urgent care centers 15 copay 80 Preventive care Children No copay with well-child visits and immunizations 80 Adults No copay 80 Family planning. Some people would rather have a smaller premium, and pay more up front for care as they go. Also, the plan sets a lifetime limit of 50,000 on this type of coverage. However, you must pay a 250 deductible first, and the care has to occur during the first 60 days of a trip. ![]() Plan G also covers 80 of emergency health care costs while in another country. When you’re willing to pay more up front when you need care, you save on what you pay each month. Emergency health care costs while traveling abroad. In most cases, the higher a health plan’s deductible, the lower the premium. How many people are on your plan, the type of health plan and network size all lower or raise your premium. That’s the amount you pay each month to maintain your health care coverage.
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