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WELCOME TO A MORE SECURE FUTUREW I T H A R K A N S A S B L U E C R O S S A N D B L U E S H I E L D
A GUIDE TO USING YOUR NEW POLICY
THANK YOU!Having a health insurance policy is a smart move in protecting your future. You know that your health matters today, not just inthe distant weeks and years.
That’s why you’re covered by Arkansas Blue Cross and Blue Shield, the card that opens doors in all 50 states. Whatever your needs are — we’re here to help and serve you, starting right now.
Take a look. We make it simple. Resources are just a phone call, tap or click away. Your next step is easy — simply read this booklet and take advantage of all we have to offer you.
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GET HELP WHEN YOU NEED IT
GET HELP WHEN YOU NEED IT It’s not an empty promise. We really are here for you. Friendly service when and how you need it.
Arkansas Blue Cross locationsFayetteville516 E. Millsap RoadSuite 103Fayetteville, AR 72703479-527-2310
Fort Smith 3501 Old Greenwood Road, Suite 5 Fort Smith, AR 72903479-648-1635
Hot Springs1635 Higdon Ferry RoadSuite J Hot Springs, AR 71913501-620-2620
Jonesboro2110 Fair Park Blvd. Suite I Jonesboro, AR 72401870-935-4871
Little Rock2612 S. Shackleford RoadSuite JLittle Rock, AR 72205501-378-2222
Lowell 507 W. Monroe Ave.Suite B Lowell, AR 72745479-527-2380
Pine Bluff509 Mallard Loop Pine Bluff, AR 71603870-536-1223
Texarkana1710 Arkansas Blvd.Texarkana, AR 71854870-773-2584
Group No. 9876543210
RXBIN 123456
RXPCN ADV
RXGRP RX0000
DOB 10/04/1945
PCP/PHONE#JOHN A SMITH(501)555-1234
Copay $20/$35
Coins 20%
RX Copay $12/35/55/100%
Deductible $500Open Access POS
Member Name: JOHN L DOE
Member ID: ZZZ123456789
®
ID CARD AND COVERAGE START DATE
GROUP NUMBERUsed to check your plan’s benefits
Helps us identify who you are, the type of plan you have and how your claims are paid
MEMBER ID NUMBER
How much you pay for a doctor visit, depending on the type
COPAY
Disclaimer: Your card may look slightly different or have different information based on the health policy you have.
1
RX CATEGORIESUsed by the pharmacy to determine what’s covered, apply your discount and file your claims
3
2
4
1
3
9
4
Your member ID card is your ticket to healthcare You will receive your member ID card after enrollment. Think of your member ID card as your ticket to quality healthcare. You’ll want to carry it with you when seeking care so you and the health-care provider can see what healthcare coverage you have. You’ll need your member ID card any time you visit a:
§ Doctor
§ Hospital
§ Pharmacy
§ Anywhere you get health services
Coverage start dateYour member ID card should come to you in the mail attached to another piece of paper. That paper is worth keeping, too — it will have the coverage start date of your policy. The coverage start date is the day you can begin using your insurance to see your doctor and get prescriptions filled. Your plan does not cover any medical or pharmacy costs until the coverage start date of your policy.
2
How much of your medical bill you must pay after meeting your deductible
COINSURANCE5
How much you pay for your prescriptions depending on their type
RX COPAY6
Lets us know what kind of coverage you have
TYPE OF PLAN8
How much you pay for medical expenses before the health plan begins to pay for some covered services
DEDUCTIBLE7Represents access to national BlueCard® network (see Find Medical Care Quickly for more information)
SUITCASE9
56
87
FIND MEDICAL CARE QUICKLY
FIND MEDICAL CARE QUICKLYYou pay less for in-network careDoctors and hospitals on our provider list (in-network) have a special arrangement with Arkansas Blue Cross and Blue Shield. This means you get a discount and pay less for medical services they provide than you would if you visited an out-of-network provider.
How to find in-network care
Online Phone
Arkansas doctors and hospitals1. Visit arkbluecross.com/findcare2. Enter your member ID OR select
your network to start a search
Doctors and hospitals outside of ArkansasIf you have a suitcase on your member ID card, you can also find and receive certain levels of healthcare benefits when you live or travel across the country. To search for doctors and hospitals outside of Arkansas:
1. Visit provider.bcbs.com2. Choose the network based on the
suitcase on your member ID card
BlueCard PPO/EPO
BlueCard PPO Basic
BlueCard Traditional
Call 1-800-238-8379 between 8 a.m. and 5 p.m. CST, Monday through Friday, to speak with a caring professional who can help you find quality medical care nearby.
PPO
PPO B
MANAGE YOUR HEALTH WITH HELP
MANAGE YOUR HEALTH WITH HELPGet your free annual checkupsPreventive care helps you avoid disease and illness. Seeing a doctor when you’re healthy allows him or her to get to know you and watch for any health issues before they’re serious. Once you’ve found an in-network Primary Care Physician (PCP), schedule your FREE annual checkup right away.
Fight illness with actionIf you’re sick and need medical care, call your doctor right away to schedule an appointment. Finding any problems early on can help you make a full recovery faster. Someone who knows your health will treat you; plus it’s less expensive than going to the emergency room.
Know what an emergency looks likeSurprises happen. Go to the nearest hospital or ER for:
§ Suspected heart attack § Stroke § Poisoning § Serious burns § Severe shortness of breath § Choking § Broken bones § Anything that could cause long-term damage
Important: Covered services for life-threatening emergencies will be paid whether it’s in network or not, but routine or non-emergency services provided in the ER will not be covered.
MANAGE YOUR PLAN 24/7 ONLINE
YOU’RE READY TO LIVE FEARLESSwith Arkansas Blue Cross and Blue Shield
MANAGE YOUR PLAN 24/7 ONLINEIf you like to be hands-on and monitor your account, we have the place for you. My Blueprint is a secure, online self-service center where you can conveniently manage your policy. After you register, you’ll be able to:
§ View claim’s details and timeline to see when it’s processed § Rate your doctor § Estimate the cost of medical services § Monitor your deductible and healthcare spending § Order new ID cards § Review your personal health history § Enroll in identity protection § And much more
To registerYou’ll need your member ID number located on your member ID card.
1. Go to arkansasbluecross.com2. Select “Sign In” (top right of screen)3. Select “Member” and choose “Register” to get started
OR download and register through our mobile app, available on the App Store™ and
Google Play™ store
Don’t forget to write down your username and password and keep them somewhere safe!
Call us at 1-800-238-8379 if you have any questions.We’ll help you through it.
STAY ENGAGEDWe offer several ways for you to get information. Choose the methods that suit you best.
Talk to usBlueListens
Help us create a better Blue by sharing feedback about products, services and experiences. Join our community atarkbluecross.com/bluelistens.
Or get involved through social media:Arkansas Blue Cross and Blue Shield
@ArkBlueCross
ArkansasBlueCross
Sign up for mobile messaging Receive text alerts through Arkansas Blue Cross WireTM, a secure messaging platform that sends personalized notifications to your smartphone. Get connected by calling 855-939-5425 or enrolling through My Blueprint.
Reach out for resourcesYou may be eligible for resources that can help you manage existing conditions or identify issues. Take advantage of all the benefits your plan has to offer, which may include:
Case management
Work with a case manager to develop a healthcare strategy with your doctor
arkbluecross.com/ casemanagement1-800-238-8379
Nurse24SM
Speak with a registered nurse 24/7 to help you make informed healthcare choices
arkbluecross.com/ nurse241-800-318-2384
Health education & disease management plans
Speak with a registered nurse and re-ceive valuable information through the mail about chronic condition manage-ment, healthy pregnancy, and building a healthier lifestyle
arkbluecross.com/ healthed1-800-686-2609
ArkBlueWireTM
STAY CONNECTED TO YOUR PLAN