How to Use Health Insurance
If you have a new health insurance plan, you probably have questions about how to use it. We hear you. Below we answer a few of the questions we most often get about using new insurance: how to choose a doctor and how to get prescriptions. Be sure to check back next week when we talk more about using your coverage and preventive services.
How to Find a Doctor – the Right One
Now that you have new health insurance, it is time to choose a doctor to help you get the most of your benefits. Choosing the one who is right for you is just that— a choice. Here are some tips on how to find a doctor or other health care provider to meet your needs:
Give the doctor a try. The next step is to schedule a visit with your top choice. During your first visit, think about how easy it is to talk with the doctor and if the doctor is a good fit for you. Remember, if you are not comfortable with your doctor, it is okay to look for another one.
Where to Get Medications
Your new health insurance allows you to get your medications from many drug stores (called "network" pharmacies). Use the Provider Finder tool and select “pharmacies” to find out if your regular pharmacy is in your health plan's network and, if not, to find a network pharmacy near you. You can also learn if you are able to get your prescription delivered to you in the mail. Mail order prescriptions may cost you less.
How to Get Prescriptions
Prescription drugs are a big part of your new health coverage. Your health plan will help pay the cost of certain drugs. To find out if your prescriptions are covered by your plan:To find out if your prescriptions are covered by your plan, log in to your account in Blue Access for MembersSM from our website. This list is also called a formulary or drug list. To look for your medicines, you will need to know:
If prescription medicine you take isn’t covered under your formulary, you can take these steps:
Still looking for more information? Here’s how to make the most of your prescription drug benefits and new health insurance.
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