https://connect.bcbsok.com/my-coverage-explained/en-USTelligent Community 12https://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/what-is-3d-mammographyTue, 29 Sep 2026 11:04:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:f4320607-bb33-4c1e-ab79-16e3063ef815BCBSOK Connect TeamWomen have choices when it comes to breast cancer screenings. A standard mammogram every one or two years is the recommended best practice for early detection. It can detect breast cancer up to three years before it can be felt. Since their introduction, standard mammograms, also called screening mammograms, have helped save countless lives. By using X-rays, they create two-dimensional images of the breast to spot tissue that may be cancerous. Still, over the past decade, there have been advances in mammogram technology. Research shows 3D mammography (breast tomosynthesis) can detect breast cancer more accurately than standard mammograms. Here’s a deeper dive into the potential benefits and risks of a 3D mammogram. How Do 3D Mammograms Differ From Standard Ones? Standard 2D mammograms take two pictures of the breast. Side-to-side and top-to-bottom images are made. To capture them, the breast is pulled away from the body, compressed and held between two glass plates. This allows the whole breast to be seen. One of its drawbacks is breast tissue can overlap during this process. Healthy tissue may appear suspicious and cancerous tissue can be masked. For this reason, 2D mammograms can sometimes produce inaccurate findings. In contrast, 3D mammograms use CT (computed tomography) scans. The scans take detailed X-ray images from many angles. Combined, the X-rays create a three-dimensional picture of each breast. Tissue doesn’t overlap. As a result, 3D mammograms help doctors spot cancers more easily with fewer false alarms. This is especially important for women who have dense breast tissue. Having fewer false alarms reduces unnecessary stress and worry. It also lowers the need for retesting. What Are the Risks and Limitations of 3D Mammograms? CT-scan technology exposes patients to more radiation than X-rays. Women who get a 3D mammogram may also get a traditional 2D mammogram, exposing them to higher amounts of radiation. While radiation exposure can cause cancer, new technology helps reduce the amount of radiation exposure that comes with a mammogram. Still, the overall benefit of 2D and 3D breast cancer screening outweighs any potential risks linked to radiation exposure. While research shows 3D mammograms are more effective in detecting tumors, both 2D and 3D mammography are currently recognized as equally acceptable screening methods. Are 3D Mammograms Covered? 3D mammograms may be covered by your health plan. Before your screening, the provider you choose should be able to give you a breakdown of what you may have to pay if anything. You can also check your coverage by logging into your health plan account online or calling the number on your member ID card. How Often Should I Get a Mammogram? The U.S. Preventive Services Task Force recommends that women with average breast cancer risk, between the ages of 40 and 74, get a mammogram at least every two years. If you have a higher risk of breast cancer, talk to your doctor about screening, no matter your age. Breast cancer risk factors include: Personal history of breast cancer Family history of breast cancer Gene mutations such as BRCA1 and BRCA2 Radiation treatments to the breast or chest area Check with your doctor if you have questions about mammograms or other breast cancer screenings. Sources: Mammograms , National Cancer Institute, 2025; Diagnostic Mammogram , National Breast Cancer Foundation, 2026; 3D Mammography (Digital Breast Tomosynthesis) , Breastcancer.org, 2026; 3D Mammograms , Mayo Clinic, 2024; Breast Cancer: Screening U.S. Preventive Services Task Force, 2024; 2D vs 3D Mammograms: Understanding the Difference , American Cancer Society, 2025Women’s HealthPreventive CareBreast CancerBenefits and CoverageBreast Cancer Preventionhttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/cancer-screening-preventive-diagnosticMon, 28 Sep 2026 12:36:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:98e36d0d-1caf-457d-8422-51a3794e2369BCBSOK Connect TeamGetting screened for colon cancer is an important way to protect your health. Colon cancer is the fourth leading cause of cancer death in the U.S. But colon cancer can be successfully treated when it is found and treated early. Until it grows or spreads, colon cancer usually has no symptoms. So screening is vital for early detection. Talk to your doctor about which type of screening test is best for you. There are several options. Some are simple in-home tests. Others, like a colonoscopy, are done by a doctor. Colon cancer used to be a disease that mainly affected people over 45, but studies show it’s becoming more common in younger people. Catching it early gives people of all ages a better chance at successful treatment. If you’re between the ages of 45 and 75, talk to your doctor about routine colorectal cancer screening. If a history of colon cancer runs in your family, speak up. You may need earlier testing. Learn more about screening tests from the Centers for Disease Control and Prevention . Getting the care you need to protect your health is important. It’s also important to ask questions before your test so you understand exactly what you’re getting and what it costs. Preventive and Diagnostic Tests Asking questions up front can help you understand the type of test your doctor orders and how your health plan will pay for it. And as with other health visits, going to an in-network provider can save you money. It’s important to know that there are both screening and diagnostic versions of many tests. For example, colonoscopies have both types of tests. Preventive A screening version is considered preventive care. Preventive screenings are routine tests ordered when there is no reason to suspect a problem. They are generally done at certain ages and intervals, like every two years. Many health plans cover most preventive health care services with no out-of-pocket costs when you go to your primary care provider or medical group (for HMOs) or a doctor or medical center in your plan’s network (non-HMO plans).* That means you pay no copay or coinsurance even if you haven’t met your deductible. You can find complete details of the preventive services your plan covers at no cost to you in your benefit book. Diagnostic If a person has symptoms or signs of a problem that were not found during a preventive screening, a diagnostic test will be ordered. Diagnostic tests take a closer look to see if disease is present. A diagnostic test may be ordered if anything unusual shows up on a preventive screening test. A diagnostic test is considered medical care, not preventive care. You may have out-of-pocket costs for diagnostic tests. For a colonoscopy, how much you may have to pay is based on what is ordered by your doctor and other factors. Preventive screening test: This is a routine colonoscopy for people who have no symptoms to suggest a problem. Diagnostic test: This testing is for people who have signs of a problem that were not found during a preventive screening. These may include anemia, gastrointestinal bleeding or blood detected by a stool test. You may have out-of-pocket costs for a diagnostic colonoscopy. The costs depend on what your doctor orders and whether there are other requirements for the kind of test you’re getting. For example, some states have laws that require certain tests to be covered without cost. Get the Details on Your Costs To avoid unexpected out-of-pocket costs, ask your doctor what type of test is being ordered and what the estimated cost (if any) will be. Give the person who books your appointment the specific information from your health plan ID card. Make sure that the provider who will do the procedure is in-network. And ask if there are other providers who will be involved. Additional providers may perform related services like anesthesia and blood tests. Make sure all of the providers involved are in your plan’s network. Ask what facility you’ll be using and if it is in your plan’s network. And there may be additional costs for related services, such as bowel prep medicines, pathology tests and facility fees. Ask if you will have any related services that will affect your cost. To make sure a provider or facility is in your plan’s network, log in to your member account and go to Find Care. *Preventive services at no cost applies only to members enrolled in non-grandfathered health plans. You may have to pay all or part of the cost of preventive care if your health plan is grandfathered. To find out if your plan is grandfathered or non-grandfathered, call the customer service number on your member ID card. Sources: Screening for Colorectal Cancer , Centers for Disease Control and Prevention, 2026; Colorectal Cancer Statistics , CDC, 2026; Colorectal Cancer , American Cancer SocietyMedical CareColon HealthColorectal Cancer Screening OptionsCancerPreventive CareBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/deals-blue365Mon, 28 Sep 2026 11:37:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:1b9f98f8-3a63-4256-bea1-c6f0519467e7BCBSOK Connect TeamDo your shopping lists never end? Are you a champion bargain hunter? Then Blue365 ® is perfect for you. Blue365 is a discount service that saves you money on a variety of everyday needs and healthy lifestyle aids. How Does It Work? Any member of a participating Blue Cross and Blue Shield plan is eligible for Blue365. With Blue365, you can browse available discounts that are updated regularly. Discounts fall into six categories: Apparel and footwear Fitness Hearing and vision Home and family Nutrition Personal care Here are some examples of what kind of deals you can find. Do you or your family need new athletic clothes to keep you warm while you’re on the move? Does anyone need new sneakers? Blue365 has savings from brands like allbirds and Skechers ® . Extra screen time for school or work can mean you or your family members might need eyewear. Do you have a loved one who could use dental services or a hearing test? You may find savings for glasses or contacts, dental services, or hearing aids. Has anyone been hinting they might like a wearable health or fitness monitor this year for a holiday gift? Choose devices from brands like Google FitBit ® , Garmin ® or Oura. Would you or someone you know get peace of mind with a remote medical monitoring system for infants or seniors? Blue365 savings may make this technology work with your budget. Even when bigger ticket needs or wishes come up — weight loss programs, gym memberships or online courses — Blue365 may have just what you need. How to Get Started Create a free account at blue365deals.com . Be sure to have your member ID card handy for this. Click All Deals on the top left of the screen. Or search in one of the categories. When you see the discount you want, click on Details . Sign up to get weekly deals sent directly to your email. Tips for Using Blue365 Like most sales, Blue365 deals come and go. If you see something you like, take advantage of the deal you find while it’s still available. You can search for the most recently added deals or deals that may be expiring soon using the search filter. There’s no limit to the number of deals you may use at any time. Feel free to try as many as you’d like! And you aren’t obligated to use any of the discounts if none of them appeal to you. Remember that Blue365 is not extra insurance coverage, and it is not a health plan. It’s a way to save money on health and wellness items and is an extra perk to your health coverage. *Blue365 is a discount program only for Blue Cross and Blue Shield of Oklahoma members. This is NOT insurance. Discounts are only given through vendors that take part in this program. BCBSOK does not guarantee or make any claims or recommendations about the program’s services or products. BCBSOK reserves the right to stop or change this program at any time without notice. The relationship between the Blue365 vendors and BCBSOK is that of independent contractors. BCBSOK makes no endorsement, representations or warranties regarding any products or services they offer.DiscountsDealsBlue365Benefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/medical-tests-preventive-vs-diagnosticMon, 28 Sep 2026 09:58:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:50f6b519-9a83-4945-b201-f3c4cc0aea51BCBSOK Connect TeamWhen your doctor orders a test for you, it’s important to know what type of test is ordered. There are two types, preventive and diagnostic. Knowing the difference between these two types of tests will help you better understand your treatment plan. It will also help you understand how your health plan will pay for it. What’s the Difference? A screening test is often part of preventive care. Preventive screenings are routine tests ordered when there is no reason to suspect a problem. They are usually done at certain ages or timeframes depending on what they are for. The goal of these screenings is to check your health status and keep you healthy. In some cases, follow-up tests ordered by your doctor after the initial screening may also be considered preventive. A diagnostic test is ordered when there are signs or symptoms of a possible problem that were not found during a routine preventive screening. These tests take a closer look to see if disease is present. They are used to confirm or rule out a cause of the symptoms. Screening tests, such as Pap smears, colonoscopies and mammograms, are often less invasive than diagnostic tests, such as a biopsy. But some types of tests may have both preventive and diagnostic versions . For example, colonoscopies and breast cancer screenings have both preventive screening and diagnostic versions. A colonoscopy is often done as a preventive measure to detect any early signs of colon or rectal cancer. But a colonoscopy can also be a diagnostic test if it’s done because a problem is suspected. Similarly, a screening mammogram is usually performed regularly as a preventive measure. Preventive screening is used to detect breast cancer early, often before a lump can be felt. Your doctor may request additional tests as part of your preventive screening. Sometimes, your doctor may order breast cancer screening tests when there are signs of a problem that were not found during your routine screening tests. That may be considered a diagnostic test. A few things can affect whether a test is considered preventive or diagnostic. If you’re not sure what kind of test you’re having, ask your doctor. Test Type and Your Cost Share Many health plans cover most preventive health care services with no out-of-pocket costs.* This coverage applies when you go to your primary care provider or medical group (for HMOs) or a doctor or medical center in your plan’s network (for non-HMO plans). That means you pay no copay or coinsurance even if you haven’t met your deductible. You can find details about the preventive services your plan covers in your benefit materials. A diagnostic test is considered medical care, not preventive care. You may have out-of-pocket costs for these types of tests. The costs depend on what your doctor orders and if there are other requirements for that kind of test. For example, some states have laws that require certain tests to be covered without cost. Get the Details on Your Costs To avoid unexpected out-of-pocket costs, here are some questions to ask your care team: What type of test or procedure will be ordered? Is it covered by my health plan? Is the provider in-network? Will any other providers be involved in the tests or procedures? Are they also in-network? Is the facility in-network? Are there any other related services or fees that may affect my costs? To make sure a provider or facility is in your plan’s network, log in to your online member account a nd go to Find Care . Depending on your plan, you may also be able to estimate the out-of-pocket costs for your tests or treatments. Knowledge is power. Know what type of test you’ll receive. This is the best way to be prepared to ask questions and not be surprised by unplanned costs. *Preventive services at no cost applies only to members enrolled in non-grandfathered health plans. You may have to pay all or part of the cost of preventive care if your health plan is grandfathered. To find out if your plan is grandfathered or non-grandfathered, call the customer service number on your member ID card. Sources: Screening and Diagnostic Tests: Know the Difference , Labcorp; Preventive vs. diagnostic care: What to know and why it matters , UCLA Health, 2022; Diagnostic Mammogram , National Breast Cancer Foundation, 2026Medical CareUnderstanding InsurancePreventive CareBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/hmo-out-of-network-optionsMon, 28 Sep 2026 09:49:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:2e995776-dc6f-48cd-bc4f-60610de2fac1BCBSOK Connect TeamThis article is intended for HMO members enrolled in an employer health insurance plan. BlueLincs HMO SM members are required to get prior authorization or precertification for services that are not done by your primary care provider (PCP). You’ll need to check with your PCP for this referral or confirm whether a referral is needed. Your benefits may not be available without it. With a BlueLincs HMO-based plan, you can choose from a large provider network. The BlueLincs HMO network includes a range of independently contracted hospitals, doctors and other health care providers. When you enroll in a BlueLincs HMO plan, you'll need to pick a provider to be your PCP. If you don't have one, we will assign one for you. You can change it later if you want a different PCP. Your PCP’s office is the best place to start when you need care. Your PCP: Is familiar with your health care needs and medical history Provides basic medical care Prescribes medication Refers you to a specialist when needed All non-emergency specialty care must be approved in advance by your PCP. Your PCP will provide a referral for specialist visits, tests and other services. And any follow-up care must be coordinated by your PCP. You don’t need a referral for mammograms or OB/GYN and behavioral health services if the providers are in your HMO network. If you decide to see a specialist or another health care provider for non-emergency care without getting prior authorization, you may be responsible for all charges. If you need emergency care, get care from the nearest emergency or urgent care facility and call your PCP within 48 hours. All follow-up care required after an emergency should be coordinated by your PCP. No Surprises Act Providers who are in your plan’s network have negotiated with your health plan on how much to charge for certain services. An out-of-network provider has not signed a contract with your health plan, so they may charge a different amount. If an out-of-network health care provider bills more than the approved charge for covered services, they may bill you for the difference. That is called balance billing. Balance billing, or surprise billing, happens when you get an unexpected bill, like if you go to an in-network hospital or facility, but one of the doctors or specialists is not in your plan's network. The No Surprises Act offers protection in some cases from balance billing and surprise billing. Emergency Services: The law protects members from balance billing in some emergency service situations. Professional Services: The law protects members from balance billing in some situations where the hospital or facility might be in-network, but the provider isn’t. Air Ambulance Services: The law protects members from balance billing in some situations when air ambulance transport was required and was received from an out-of-network provider. Learn more about how this federal law affects your health insurance plan . Always Check Please keep in mind that a provider’s network status may change. Make sure all of your providers are in your network. You can use Provider Finder ® to search for doctors, hospitals, pharmacies, urgent care facilities and more.BlueLincs HMOOut of NetworkEmployer CoverageBenefits and CoverageHMOhttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/ppo-out-of-network-optionsMon, 28 Sep 2026 09:33:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:b7793572-bb77-493f-9479-d15d9aa3804bBCBSOK Connect TeamThis article is intended for PPO members enrolled in an employer health insurance plan. As a Blue Cross and Blue Shield of Oklahoma PPO member, you get the highest level of benefits and have lower out-of-pocket costs by staying in your health plan’s network. In-Network vs. Out-of-Network If you need specialist care or other non-emergency medical services outside of those provided by your regular doctor, ask your doctor if they’re in your health plan’s network. Even if your doctor or surgeon is in your provider network, medical specialists who provide services like X-rays, lab tests or anesthesia may not be. Providers who are in your plan’s network have negotiated with your health plan on how much to charge for certain services. An out-of-network provider has not signed a contract with your health plan, so they may charge a different amount. If an out-of-network health care provider bills more than the approved charge for covered services, they may bill you for the difference. That is called balance billing. No Surprises Act Balance billing, or surprise billing, happens when you get an unexpected bill, like if you go to an in-network hospital or facility, but one of the doctors or specialists is not in your plan's network. The No Surprises Act offers protection in some cases from balance billing and surprise billing. Emergency Services: The law protects members from balance billing in some emergency service situations. Professional Services: The law protects members from balance billing in some situations where the hospital or facility might be in-network, but the provider isn’t. Air Ambulance Services: The law protects members from balance billing in some situations when air ambulance transport was required and was received from an out-of-network provider. Learn more about how this new federal law affects your health insurance plan . Always Check It’s always best to check to see if your specialist is in your network. You can use Provider Finder ® to search for doctors, hospitals, pharmacies, urgent care facilities and more. If your PPO coverage is through your self-funded employer’s plan, please check your summary plan description for details about how out-of-network services affect your benefits.PPOOut of NetworkEmployer CoverageBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/fitness-program-waived-enrollmentTue, 01 Sep 2026 08:12:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:75147c78-3018-476a-8bc2-c1a602209301BCBSOK Connect TeamWell onTarget and the Fitness Program are not available to all members. Check your online account information or ask your benefits administrator to see if you have these benefits. If you’re looking to stay in shape, or get back in shape, now is a good time to join the fitness program. The $19 enrollment fee will be waived for eligible new members who sign up now through Oct. 31, 2026.* Join today and get access to a nationwide network of participating facilities so you can work out whether traveling, at home or at work. You can also choose digital options like online fitness videos and live classes. Enjoy All the Fitness Program Benefits The Fitness Program offers flexible plan options ranging from $19 to $239 a month. You can select a plan option that best suits your lifestyle. You’ll have access to all locations available in the plan you choose, as well as locations in any of the lower-priced plan options. Digital fitness options are also included in all plans at no cost. The Digital Only plan is $10 per month. Choose from thousands of digital fitness videos and live classes. More Fitness Program Features Real-time check-in and activity reporting information is provided through the Well onTarget Fitness Program mobile app and Well onTarget portal. Get Complementary and Alternative Medicine (CAM) discounts through Choices by Whole Health Living.** Save money through a nationwide network of 40,000 health and well-being providers such as acupuncturists, massage therapists and personal trainers. To take advantage of these discounts, register at wholehealthliving.com . Go online to find fitness locations and track visits. Get the Well onTarget Fitness Program Mobile App You can use the Well onTarget Fitness Program app to: Have real-time check-in and activity reporting Explore nearby locations in the Fitness Program network Get easy access to your Fitness Program membership card Download the Well onTarget Fitness Program app free of charge from the Apple and Android app stores. Search for “Well onTarget Fitness Program.” Join Now To get the waived fee, use coupon code OCT26FP when you enroll. To enroll, log in to your Blue Cross and Blue Shield of Oklahoma member account , go to the My Health drop-down menu and select Wellness . Then scroll down to Fitness Program . You can decide on the plan that best meets your needs and select the fitness location that is best for you. Remember to enter the coupon code OCT26FP during enrollment before Oct . 31 to get the waived fee. You can also enroll by calling 888-762-BLUE (2583) Monday through Friday, between 7 a.m. and 7 p.m. CT (6 a.m. and 6 p.m. MT). *After Oct. 31, 2026, regular enrollment fees will apply to all new memberships. This offer can’t be combined with any other promotional offers. ** Choices by WholeHealth Living benefits are not offered in Oklahoma and Montana. The waived enrollment promotion is only available to members with the Fitness Program. Individuals must be 18 years old to purchase a membership. Dependents 16 to 17 years old can join but must be accompanied to the location by a parent/guardian who is also a Fitness Program member. Check your preferred location to see their membership age policy. Underage dependents can log in and join through the primary member’s account as an “additional member.” Member agrees to comply with all applicable federal, state and local laws, including making all disclosures and paying all taxes with respect to their receipt of any reward. The Fitness Program is provided by Tivity Health TM , an independent contractor that administers the Prime Network of fitness locations. The Prime Network is made up of independently owned and operated fitness locations. No endorsements, representations or warranties are made regarding third-party vendors and the products and services offered by them.ExerciseFitness ProgramBenefits and CoverageWell onTargethttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/what-is-an-hmoThu, 27 Aug 2026 20:35:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:b30dacbb-25ea-4b92-ba1e-2f166c060375BCBSOK Connect TeamAn HMO — or health maintenance organization — can help keep your costs lower and more predictable compared to other types of plans. With one doctor to coordinate your care, an HMO health plan is easy to use. An HMO health plan offers: Monthly premiums, copays and deductibles that are often lower than other types of plans. Access to certain doctors, hospitals, clinics, pharmacies, labs, and other care and service providers in your HMO network, to help control how much you pay for health care. A primary care provider (PCP) you see for annual physicals, preventive screenings, common illness or injuries, and other routine care. A referral from your PCP is required for most other types of care, like seeing a specialist, to be covered by your plan. It's Personal An HMO health plan offers personalized care. Your care is coordinated by one doctor who knows you — your health history, current issues, medicines, lifestyle and how your family health history may affect your health. Get Started When you first sign up for an HMO health plan, you choose, or are assigned, a PCP who may be part of a medical group or independent practice association. Each person on your plan can pick a PCP. A PCP most often focuses on general internal medicine, family medicine or obstetrics/gynecology (OB/GYN). Older adults can choose a geriatric doctor. Children can have a pediatrician. If you're a member, you can find your PCP or your medical group listed on your member ID card. Your Health Partner As the primary member of your care team, your PCP plays a big role in helping you stay healthy. Here are some tips to help you make the most of your PCP: If you're a new patient, see your PCP right away. When you make your first appointment, let the doctor's office know you're a new patient. Going to your new patient appointment right away will help avoid delays in getting an appointment when you’re sick or need a referral. Get a referral. If you need to see a specialist, your PCP will refer you to one. Make sure the specialist or behavioral health care provider is in your network. Women don't need a referral to see an in-network OB/GYN. You’ll need a referral to visit a hospital for non-emergency services. To find a provider or hospital in your network, log in to your account and go to Find Care . Call your PCP when you need care. Your PCP should be your first stop when you need care. For common illness and injury, like a cold, flu, minor cuts or burns, they will fit you into their schedule or refer you to another doctor or clinic. In some cases, they may have you go an urgent care clinic or a hospital. For emergencies. If your illness or injury is life-threatening, call 911 or go to the nearest emergency room. You don't have to stay in-network or get a referral. Just let your PCP know that you had an emergency as soon as you can. They’ll follow your treatment and manage your follow-up care. You Have Choices Finding a provider you feel comfortable with is important. You can change your PCP, medical group or independent practice association to another in-network provider at any time. The only exceptions are when you are hospitalized or in the second or third trimester of pregnancy. To change to a different PCP : Online Log in to your account. Choose the “Change PCP” link. Follow the instructions. By phone Call the customer service number on your member ID card. Having one health care expert coordinate all your health care helps keep your costs and health on track. Year after year, health plans help improve member health and lower their total cost of care because health issues are handled before they get serious. In most cases, your HMO health plan won't cover your costs if you go to a provider who isn’t in your network. Your health plan contracts with network providers who offer a service at a set price. Because out-of-network providers don't have a contract with us, we can't control how much they charge you. To avoid getting big bills, make sure you stay in your network. Be Informed No matter which type of plan you have, review it carefully. Know what's covered and where you can go for care before you need it. Understanding how your plan works may save you time and money.HMO InsuranceUsing Health InsuranceBlue Access for MembersProvider FinderBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/drug-list-updateThu, 27 Aug 2026 17:40:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:a5bb9c44-0d05-4b1d-a198-37ba2d4cd169BCBSOK Connect TeamMedicines play a major role in preventing and treating many health problems. That is why a prescription drug benefit is included in most health plans. Many Blue Cross and Blue Shield of Oklahoma plans have a prescription drug list (also known as a formulary), a regularly updated list of covered drugs available to you. Care and treatment decisions are between you and your doctor. However, doctors are encouraged to prescribe medicines that are on the drug list. This helps keep your out-of-pocket costs low. We encourage you to show the drug list to your doctor and pharmacist. Keep in mind that prescription drug benefits may differ by plan. Which Drug List Applies to Me? The prescription drug lists are specific to your benefit plan. You can always view the most updated prescription drug lists in the Prescription Drug section of our website. Access Pharmacy Benefits and Search for Drugs To learn more about your pharmacy benefits and search for specific drugs, you can log in to your account online or with the BCBSOK App . Your Online Member Account Log in to your online member account for easy online access to information about your health benefits, prescription coverage and more. From your dashboard, click Pharmacy in the top navigation. You can: Find in-network pharmacies. Share your member ID with your health care provider or pharmacy. Manage your prescriptions. Find cost estimates, lower-cost options, clinical review status updates and refill reminders. Get information about your medicines, such as drug interactions, potential side effects and any special requirements or limitations If you haven’t registered for your online account yet, register today with a few easy steps. Once you're registered, you can log in to your account. BCBSOK App The BCBSOK App lets you access your benefits information from anywhere. You can use your member account login information or create a new account to log in to the app. The BCBSOK App is available in English and Spanish for iPhone and Android users. Download it today. You May be Able to Save Money with Generic Drugs Prescription drugs may be a big part of your health care costs. You may be able to lower your out-of-pocket costs by choosing generic drugs. Find out if generic drugs are right for you .PrescriptionsDrug ListBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/mastectomy-reconstructive-surgeryThu, 27 Aug 2026 13:52:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:766b24a9-0df3-476c-8ba2-6543cdbb72ccBCBSOK Connect TeamIt’s normal to be anxious if you find out you need to have a mastectomy due to breast cancer. A mastectomy is the removal of one or both breasts. This procedure is most often performed to treat breast cancer. If you are facing this surgery, take some comfort in knowing that federal and state laws require health insurance companies to cover reconstructive surgery afterward. If you and your doctor decide they’re necessary, these treatments can be covered after a mastectomy due to breast cancer: Rebuilding the breast that was removed Surgery on the other breast for an even appearance Breast implants Flap procedures (to replace lost skin and tissue) Mastopexy (breast lift) Nipple reconstruction and tattooing Your health plan covers inpatient hospital services for 48 hours of inpatient care following a mastectomy due to breast cancer. The same deductible and coinsurance as other medical and surgical benefits covered by your plan apply. It’s important to understand your options. For more information, call the customer service number on your member ID card. Ask to be transferred to the case management department to discuss your coverage with a registered nurse.Women’s HealthEmployer CoverageBreast CancerBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/pharmacy-benefit-vs-medical-benefitThu, 30 Jul 2026 15:00:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:8a0522f1-d0aa-4687-b50e-fd413d96eabcBCBSOK Connect TeamIt’s no secret that prescription drugs can be pricey. One of the best ways to save on the drugs you are prescribed is to make sure you understand how your health plan benefits work. A good place to start is to answer this question: Is my prescription drug a pharmacy or medical benefit? In most cases, a prescription drug is covered under your pharmacy benefit . There are times, though, when a prescription drug is considered a medical benefit . Here is a breakdown to help you understand which is which. Drugs That Fall Under Your Pharmacy Benefit Think about the common medicines you pick up at your local drugstore or have delivered to your home. Drugs that help keep your blood pressure or cholesterol in check. The cream your dermatologist gave you for that itchy rash. Antibiotics for a sinus infection. Or insulin to manage your diabetes. These are just a few examples of prescription medicines you may take that may be part of your pharmacy benefit. Drugs That Are a Medical Benefit Sometimes, medicines must be given by a care provider in a health care setting. Birth control implants are one example. So are chemotherapy infusions for cancer and immunotherapy for complex and chronic diseases. These types of medicines usually require patients to be monitored by a medical professional during their treatment. Your medical benefit may cover the costs of these drugs and their administration. Some Drugs Can Be Both Vaccines given as part of preventive health care can be either a pharmacy benefit or a medical benefit. A flu shot is the most common example. Did you go to your local retail pharmacy for your flu shot? Or did your primary care provider give you a flu shot during your annual wellness check? The benefit category for the vaccine depends on your health plan and where you got it. Of course, understanding the details of your Blue Cross and Blue Shield of Oklahoma plan is one of the best ways to get the most out of your pharmacy benefit. Here are some things you can do: Check Your Plan’s Drug List The list is exactly what the name suggests — a list of prescription drugs covered by your health care plan. The list is organized into different levels of coverage called member payment tiers. Some plans may have up to six tiers. Each tier has its own cost. The lower the tier, the lower your out-of-pocket costs will be for the drug. Generic drugs are usually found in the lower tier. Name brand drugs and specialty drugs are often in higher tiers. You may pay more for a brand name drug if you choose the brand name drug when a generic equivalent is available. Talk with your doctor and pharmacist about all your medicines. Always check to see if they are covered under your health care plan. For any name-brand drug, ask if there are generics or lower-cost options you can take. If your drug isn’t covered on your drug list, ask if there are other covered drugs or treatments that meet your needs. To check coverage of drugs on your drug list, log in to your member account online or through the BCBSOK App . Click on the Pharmacy tab to search a medication and get all the details you need. Be In-the-Know About In-Network Pharmacies BCBSOK works with a broad network of pharmacies. When you use an in-network pharmacy, your out-of-pocket costs are often less. You may also be able to get up to a 90-day supply of covered drugs you use regularly . Understand Special Requirements and Limits Sometimes, you may need to meet certain criteria before your prescription drug coverage is approved. Members who use a specialty drug to treat a complex or rare condition may need to follow specialty pharmacy program guidelines. Some drugs may have limits on how much medicine can be dispensed per prescription or in a given time span. Your doctor may need to get prior authorization before your drug is covered. You might need to use step therapy , which means you must try a more cost-effective drug first before moving to another higher cost drug. To review your pharmacy benefits, you can: Log in to your online member account or the BCBSOK App to see in-network pharmacies, get cost and coverage information, check refills and more. Call BCBSOK customer service at the number on your member ID card. Prime Therapeutics LLC is a separate company contracted by Blue Cross and Blue Shield of Oklahoma to provide pharmacy solutions. BCBSOK, as well as several independent Blue Cross and Blue Shield Plans, has an ownership interest in Prime Therapeutics.PrescriptionsIn-NetworkDrug ListGeneric DrugsPharmacyBenefits and CoveragePharmacy Benefitshttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/what-is-an-out-of-pocket-maximumThu, 30 Jul 2026 13:32:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:223b2be7-4256-416d-b522-ef42847a2cb3BCBSOK Connect TeamWe know health care terms can be confusing. One you’re sure to run across is “out-of-pocket maximum.” What does it mean? How does it affect you and your family? How does it influence your choice of health plan? You share the cost of your care with your health insurance company. You pay money to cover your deductible, copays and coinsurance (if coinsurance applies to your plan). But here’s some good news: There is a limit to how much you are required to pay. It’s called your out-of-pocket maximum (OOPM). And it is the most you’ll have to pay during a policy period – usually a year – for health care services. If you are a current BCBSOK member, you can see your plan’s OOPM on your member ID card and in your online member account . It’s different for every type of plan. Here are some things to keep in mind: Your OOPM limits how much you can be charged for your health care expenses. This limit protects you if serious and expensive medical issues come up. The government can change the OOPM each year. For 2027, the highest OOPM a plan can have is $12,000 for an individual and $24,000 for families. But some plans will have a lower OOPM. Remember, if you go out of your health plan's network for services, those expenses may not count toward your OOPM, and you could have to pay more. Take this scenario for example: Joe’s plan has a $9,200 out-of-pocket maximum. That is the most Joe will pay this year out of his own pocket for covered medical expenses. Joe only pays for the medical care he uses. If he’s healthy, he may only pay for a few doctor visits and prescriptions. But if he has an accident or major illness, that accident or illness could mean costly hospital bills. But Joe has health insurance and stays in network. So he won’t have to pay more than $9,200 for covered expenses this year, even if his care costs more. Read more about a deductible vs out of pocket maximum. Before you choose a health insurance plan, it’s important to first consider a plan’s provider network. To see which providers are in a plan’s network, you can search online . If you already have a health insurance plan, log in to your account and click Find Care to find a provider in your plan's network.Out-of-pocket costsProvider FinderHealth Care CostsMedical BillsHow Health Insurance WorksInsurance Basicshttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/make-most-of-plan-year-endThu, 30 Jul 2026 10:11:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:6ceb9d78-bb4b-48f0-92af-3b266496d94dBCBSOK Connect TeamIf you’re the kind of person who needs a deadline to get things done, there may be a big one just around the corner. If your health plan year is ending soon, it’s a good time to review your health benefits. Doing so could be a boost to your overall health — and could even save you money. That’s because you might have benefits you want to use before the end of the plan year. It pays to check it out and make a few appointments. Deductibles Looking at your health benefits now may save you money. If your plan has a deductible and you’ve met it, you might want to schedule care your doctor has been recommending now, rather than waiting until your next plan year. A deductible is the amount you pay for health care services each plan year before your health plan starts to pay. For example, if you have a $1,500 deductible, you pay the first $1,500 of the services you need. Once you’ve met your deductible, you usually pay only a copay and/or coinsurance for covered services. Coinsurance is when your plan pays a large percentage of the cost of care and you pay the rest. For example, if your coinsurance is 20 percent, you’ll pay 20 percent of the costs when you need care. Your health plan pays the other 80 percent. Since your deductible resets each plan year, it’s a good idea to keep an eye on the figures. If you’ve met your deductible for the year or are close to meeting it, you may want to squeeze in some needed tests or procedures before your plan year ends to lower your out-of-pocket costs. If you have had a lot of medical expenses this year, you may have also met your out-of-pocket maximum. If that’s the case, you may not have to pay anything for in-network services covered by your plan. So you'll save even more on treatment you’ve been putting off. If you wait until your new plan year starts for the same treatment, your deductible and your out-of-pocket maximum will have reset. That means you will have to pay more out of pocket for the very same care. High Finance The end of your plan year is also a good time to review your financial paperwork. Members with employer-sponsored plans may have a Flexible Spending Account balance that needs to be used before the end of the plan year. A Flexible Spending Account, or FSA, is an employer-sponsored option that lets you set aside a part of your earnings before taxes for qualified medical expenses. Qualified expenses include doctor’s visits and products such as contact lenses and prescription glasses. Using an FSA may save you money. But pay attention to the calendar. FSA money is often a “use-it-or-lose-it” benefit. Sometimes FSA money will roll to the next plan year, but check with your benefits department to make sure. For both employer-sponsored and individual plans, a Health Savings Account is also money set aside to be used for qualified health care costs. But any money you don’t spend can be rolled to the next plan year. Find out more about flexible spending accounts and health savings accounts . Keep Smiling It’s nice to have a clean report from the dentist, no matter your age. If you think you might need to have some work done, now’s a good time to check it out. If you have a dental plan, double check your yearly maximums. If you expect to need fillings, crowns or root canals, you might want to plan them in the current plan year to use your available funds. Some people have one procedure at the end of one plan year and the next at the beginning of the new plan year to break the treatment into two different plan years. It’s an efficient, cost-effective way to use your benefits. Check Your Benefits With Ease If you have questions, there’s one place to go — your member account. You can access your account any time via the online portal or our free BCBSOK App . Your member account lets you manage your health plan online. You can get easy access to whatever information you’re looking for. Stay organized and cut the time you spend looking for paperwork. One thing to check is your deductible amounts. That’s the amount you pay on some visits and treatments each year before your health plan starts to pay. You can see an overview of your deductible information on your Dashboard. You can find more details in the Coverage section. You can also get more plan details and a new printed or digital ID card. The Claims section shows your claims for the past 18 months. It’s also where you will find your claim statements or Explanation of Benefits (EOB). The statements will show the service supplied, what your plan covers, your financial responsibility and more. You can also sort claims by date, status, provider and claim type. While you’re logged in, you can change your contact preferences under My Account. You can also search for doctors and other providers in your network by selecting Find Care. Sources: Health Checkup , U.S. National Library of Medicine, 2024; Year-End Tips to Maximize Your Health Benefits , JDRF.org, 2022DeductibleBlue Access for MembersBAMMy Coverage ExplainedPreventive CareHealth Care CostsSave Moneyhttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/appeals-processThu, 30 Jul 2026 08:50:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:a76d7305-cc7f-4da4-ba9f-152f27f8662bBCBSOK Connect TeamWe want you to be happy with your health plan. If you don’t understand a benefit decision made by Blue Cross and Blue Shield of Oklahoma or BlueLincs HMO SM , first call customer service. In most cases, a customer service representative will be able to help you with your problem. But if they can’t resolve your issue, you may request an administrative review of the problem through our appeals process. You have the right to a full and fair review of: Denied claims Denied requests for preauthorization or precertification Any other determination made by us according to the benefits and procedures explained in your benefit booklet Call the customer service number on your member ID card for more information. BlueLincs HMO SM is an Independent Licensee of the Blue Cross and Blue Shield Association, a Subsidiary of Health Care Service Corporation, a Mutual Legal Reserve CompanyAppealsBlueLincs HMOEmployer CoverageBenefits and CoverageHMOhttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/understand-planThu, 30 Jul 2026 08:48:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:9b19ca36-f838-4960-a511-abff75ee3f71BCBSOK Connect TeamThis article is intended for HMO members. Blue Cross and Blue Shield of Oklahoma and BlueLincs HMO SM support our members’ communication needs. We use software to help make sure the information we send is easy to understand. If you are language, vision or hearing impaired or physically challenged, you can call customer service to get help. Members can get help from bilingual customer service advocates. And we offer some programs and support in several languages. For more information, please call the customer service number on your member ID card. BlueLincs HMO is an Independent Licensee of the Blue Cross and Blue Shield Association, a Subsidiary of Health Care Service Corporation, a Mutual Legal Reserve Company.BlueLincs HMOCustomer ServiceEmployer CoverageBenefits and CoverageHMOhttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/coordination-of-benefitsTue, 28 Jul 2026 06:08:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:81c131d4-c337-442c-bc8e-1acc0abc38f3BCBSOK Connect TeamWhen you need care and are on two different health insurance plans, your insurers will coordinate your benefits (COB). This helps you get maximum coverage when you need it. If you’re covered by two different health plans, your provider may file the claim with both plans. The health insurers will decide which plan covers certain expenses on the claim. This is called Coordination of Benefits. If there are times when your primary plan doesn’t cover the whole claim, the secondary plan may cover them all or pay a certain amount. It depends on the COB rules. How It Works Coordination of benefits may be needed if: You are on your employer's health plan and on the plan your spouse has with their employer. You buy your own health plan, but you are also on your spouse's group plan. You and your spouse have individual policies and are listed as dependents on both. You have dependent children covered under both your and your spouse's health plan. A custody agreement requires one parent to cover the children, but both parents choose to include them on their coverage. If you have Medicare and another plan, coordination of benefits is always used. Medicare may be the primary or secondary payor. It depends on the Medicare coordination of benefits. Let your insurer know up front if you have Medicare. It will save you and your doctor time when filing claims. Why Coordination of Benefits? Coordination of benefits helps: Avoid duplicate payments so the two plans don’t pay more than the total amount of the claim. Make sure the proper payments are made by each plan. Reduce the cost of insurance premiums. You may get a form in the mail, an email or a call from your insurer to set up the coordination of benefits. You may also want to document any other coverage you have when your plan renews each year. Even if you don’t have other coverage, you'll need to let your insurer know. Sometimes claims are held until coordination of benefits is confirmed. A provider won’t be paid until primary and secondary coverage is confirmed. Want To Know More? If you have more than one health plan, check out the section of your benefit materials called Coordination of Benefits to learn how it works. For more information, call the customer service number on your health plan's member ID card. Source: Coordination of Benefits , ehealthinsurance.com, 2023; Coordination of Benefits , Centers for Medicare & Medicaid Services, 2026; How Medicare works with other insurance , medicare.govUnderstanding InsuranceMedical ClaimsCustomer ServiceBenefits and Coveragehttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/reasons-claim-deniedThu, 16 Jul 2026 10:22:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:73a3bc9b-d3f3-4733-a197-0cf729e5c596BCBSOK Connect TeamBelieve it or not, there are only a handful of reasons that may lead to a health care service not getting approved or a claim not being paid. They fall into these five buckets. The claim has errors. Minor data errors are the most common culprit for claim denials. Sometimes, a provider may code the submission wrong, leave information out, misspell your name or have your birth date wrong. Your explanation of benefits (EOB) will give you clues, so check it first. If you find an error, ask your provider to correct the information and submit your claim again. You used a provider who isn’t in your health plan’s network. Some plans only cover care if you use providers and facilities in your plan’s network. If you go out of network, your plan may not cover any of the costs. Other plans may only cover some of the out-of-network costs, and you have to pay the difference. Your care needed approval ahead of time. Some procedures, like CT scans, MRIs and certain surgeries, usually require prior authorization. If a claim isn’t covered because it wasn’t authorized in advance, talk to the provider who ordered it. Your provider may be able to submit patient records that show you needed the service. You get care that isn’t covered. Your health plan may not provide that benefit. For example, your plan may not cover weight-loss surgery. In that case, it doesn’t undergo medical review. If your plan doesn’t cover it, the procedure won’t be approved. This is called a coverage limit or contract exclusion. If you lost health plan coverage, your claim may not be covered. This may happen if you don’t pay your monthly premiums or run out of COBRA. The claim could also be denied for a medical reason. These types of denials may include: The services are not considered medically necessary. The right level of care wasn't provided given your condition. The treatment hasn’t been proven effective or is considered experimental for your condition. The claim went to the wrong insurance company. If you have a second health plan, like one from your employer and one from your spouse’s employer, the provider may have billed the wrong company. Or your care provider may have outdated information if you changed insurers. When you get your EOB, check to see if it is from the right health plan, then contact your provider. Sources: Reasons for Health Claim Denials and What You Should Do , VeryWellHealth, 2023; What to Do When Health Insurance Won’t Pay , Insurance.com, 2023; Appealing a Health Care Decision , HealthCare.govAppealsUnderstanding InsuranceMedical ClaimsExplanation of BenefitsHealth Care CostsHow Health Insurance Workshttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/claim-not-approvedThu, 16 Jul 2026 09:32:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:62a8036a-91e0-4736-adb0-13ed301c527cBCBSOK Connect TeamNurse care manager Lenzy Mixon got a call from a member about a large bill he received for a stay at a skilled nursing facility. He checked with his doctor, who assured him the stay had been pre-approved by his health plan. His next call was to us. Mixon said she was sure it was a mistake, so she reached out to a utilization review nurse and a customer advocate. Together, they found the error that caused the claim to be denied, adjusted the records and sent it through again for payment. “He was relieved and happy hearing that the claim was being adjusted so quickly,” Mixon said. While not every claim denial is so easily fixed, there are times a claim doesn’t get approved for reasons other than the service not being covered by a member’s health plan. Do you know what to do if a claim isn’t approved? First, Ask Why If you have a claim that isn’t approved, you can look at the explanation of benefits (EOB) for the claim to find out why. An EOB is generated for your medical claims to help you track what your insurance is covering and what amount you may need to pay, such as a copay or coinsurance. If a claim is denied, the EOB will explain the reason for the denial. Find Out Your Next Steps Do they have the wrong birth date listed for you? Is the address your doctor listed different from what we have on file? If the claim wasn’t approved because of an information error, reversing the denial may be fairly quick and easy. Call customer service at the number on your member ID card. You can give the customer advocate the right information to correct your file. If your provider’s office made the mistake, you can call the billing office to get the information corrected. If the service isn’t preauthorized or is denied for payment for another reason, you may need to ask that the claim be reviewed. This is called appealing the decision. You can appeal by phone or by mail. You, your doctor or another person you’ve named to represent you can appeal. Understand the Appeals Process There is a multi-step process in place that can help you if you think a claim has been denied in error. It is outlined in an insert included with your EOB. It is also explained in your benefit information. I f our reviewer is going to deny a service as not medically necessary, your doctor will receive a notification. That notification will include the option to schedule a call with the reviewer. Your doctor can review the case over the phone with us to try to resolve the issue. If the issue is not resolved and the claim is denied, you can appeal. A standard appeal is an internal review of your claim. You’ll call or send a letter to ask that the claim be reviewed to see if something can be done to reverse the denial. If a claim is denied for a medical reason, a medical doctor will review the claim. If a standard appeal does not resolve the issue, you can request to have a second medical reviewer look at the request. This second level of appeal is done by an outside, independent review organization. Your EOB will explain what types of denials can be sent for external review. There is no cost to you for an external review. Get Started You’ll need to provide as much information as you can to support the claim. Maybe the claim reviewer didn’t have the films from your MRI that showed you needed the surgery your doctor requested. It may be that a referral was required, and the referral wasn’t documented. The need for more information is another reason that often leads to a claim not getting approved. Medical review will require more information. For example, you may need: A letter from your doctor explaining why the requested treatment should be approved Patient notes from your treating physician on other care you have had for your condition The results of other tests or procedures related to the request Current medical articles or study results that support the treatment’s effectiveness Your own letter explaining why you believe the treatment is needed Hang in There For things like wrong information, a quick correction can be made and the claim refiled for approval. But other reviews take time. A standard appeal takes about 30 days for review for getting care pre-approved. Other appeals may take up to 60 days. These timeframes start when you file the appeal, not from the time of your treatment or from when the claim wasn’t approved. You have 180 days to file an appeal from the date the claim wasn’t approved. An external review takes about 45 days. If you qualify for urgent review, the outside review organization will give you a decision within 72 hours. You have four months from the date of your internal review decision notice to file a request for external review. Check Your EOB You should always check your EOB to make sure your claim information is correct. Every EOB has instructions on what to do if a claim has been denied. You may get your EOB in the mail. If you are signed up for paperless communications, your EOB can be found in your online account. Sources: Engaging with Insurers: Appealing a Denial , Patient Advocate FoundationAppealsUnderstanding InsuranceMedical ClaimsExplanation of BenefitsHealth Care CostsHow Health Insurance Workshttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/know-your-planWed, 08 Jul 2026 23:32:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:cc36288c-ff7f-4be3-bbf0-9265175b5909BCBSOK Connect TeamThis article is intended for HMO members. As an informed consumer, you should know about the benefit exclusions and limits of your health plan. Your BlueLincs HMO SM exclusions and limits are listed in your schedule of benefits. To see the exclusions and limitations on your prescription drugs, refer to your member handbook and your Prescription Drug Schedule of Benefits. Or log in to your online member account. Sometimes, changes are made to these exclusions and limitations. When that happens, we will let you know about the changes by mail or through your employer. Please look at this information carefully. Call the customer service number on your member ID card if you have questions.BlueLincs HMOUnderstanding InsuranceUsing Health InsuranceEmployer CoverageBenefits and CoverageHMOhttps://connect.bcbsok.com/my-coverage-explained/b/weblog/posts/multi-language-supportWed, 08 Jul 2026 14:40:00 GMT6e104328-2028-43b6-bb31-8401437dc51f:8c3867ca-329a-4246-8661-9438293d2f82BCBSOK Connect TeamIf you or someone you are helping has questions and English is not your primary language, you have the right to get help and information in your primary language at no cost. To speak to an interpreter, call the customer service number on your member ID card. If you are not a member or don’t have a card, call 855-710-6984 . We provide assistance for the following languages: Español / Spanish العربية / Arabic 繁體中文 / Chinese Français / French Deutsch / German ગુજરાતી / Gujarati हिंदी / Hindi Italiano / Italian 한국어 / Korean Diné / Navajo فارسی / Persian Polski / Polish Русский / Russian Tagalog / Tagalog اردو / Urdu Tiếng Việt / Vietnamese There may be options for other languages not on this list. Call 855-710-6984 to find out more.Customer ServiceBenefits and Coverage