Skip to content

How To Apply For Blue Cross Blue Shield Health Insurance

Blue Cross Blue Shield Association is a federation of 36 separate United States health insurance companies that provide health insurance in the United States to more than 106 million people. The Process of knowing How To Apply For Blue Cross Blue Shield Health Insurance is very simply for everyone who want to apply for it.

Healthcare coverage is one of the most important decisions you make.

Choose the card that opens doors in all 50 states. Protect yourself and your family with the compassion of the cross and the security of the shield.

Choosing the right health insurance for you, your friends and your family is an important decision you could make. Blue Cross Blue understand, and they want you to feel confident in your choice. They help you find the insurance plan that’s right for you.

Blue cross health insurance application for Individual Coverage

Who is Blue cross health insurance application for?

If you live in Michigan and you’re ready to apply for one of our individual and family plans, this post can help you apply online or by mail. 

How To Apply For Blue Cross Blue Shield Health Insurance

Are you ready to sign up for one of our individual or family plans? Applying online is usually the best way to sign up. This includes if you want to buy coverage during the special enrollment period by presidential executive order, which lasts until May 15. click here to APPLY ONLINE

Open enrollment for 2021 plans has ended. If you still need coverage for 2021, you can see if you’re eligible for special enrollment in their official website. If you’d like to lower your costs, you can also see if you’re eligible for a subsidy in their official website. 

How To Apply For Blue Cross Blue Shield Health Insurance by Mail

If you qualify for special enrollment and are applying for a plan without using a subsidy, sometimes known as an off-marketplace plan, you also have the option to print the application, fill it out and mail it in.

Open enrollment for 2021 plans has ended.

To apply for Blue cross health insurance, you’ll need:

  • A social security number or tax ID number and date of birth for everyone who’ll be covered by the plan
  • A credit card if you want to make your first payment

READ ALSO: What is dental waiting period? How to get affordable dental coverage

Frequently Asked Questions

How Health Insurance Works? Have questions about how health insurance works? You’ve come to the right place. We’ve covered the basics of health insurance for you below. We explain the differences between deductibles, coinsurance and copays, in-network and out-of-network benefits, HMO and PPO plans and more. Continue reading below.

1: How do deductibles, coinsurance and copays work?

Who is this for? Anyone under age 65.

You and your health insurance company pay for your health care expenses.
Deductibles, coinsurance and copays are all examples of what you pay.
Understanding how each example works helps you know how much you pay.

What is a deductible? A deductible is the sum you pay for health care services before your health insurance begins to pay.

How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.

What is coinsurance? Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount we allow to be charged for services. You start paying coinsurance after you’ve paid your plan’s deductible.

How it works: You’ve paid $1,500 in health care expenses and met your deductible. When you go to the doctor, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70 percent. The 30 percent you pay is your coinsurance.

What is a copay? A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service.

How it works: Your plan determines what your copay is for different types of services, and when you have one. You may have a copay before you’ve finished paying toward your deductible. You may also have a copay after you pay your deductible, and when you owe coinsurance. 

Your Blue Cross ID card may list copays for some visits. You can also log in to your account, or register for one, on our website or using the mobile app to see your plan’s copays.   

2: How do out-of-pocket maximums work?

Who is this for? Anyone under age 65.

You share the cost of your care with your health insurance company when you pay your deductible, coinsurance and copays. But did you know there’s a limit to how much you pay? It’s called an out-of-pocket max, or maximum.

It’s the most you’ll have to pay during a policy period, usually a year, for health care services.

How it works What you pay toward your plan’s deductible, coinsurance and copays are all applied to your out-of-pocket max.

Once you reach your out-of-pocket max, your plan pays 100 percent of the allowed amount for covered services.

If your plan covers more than one person, you may have a family out-of-pocket max and individual out-of-pocket maximums. That means:

  • When the deductible, coinsurance and copays for one person reach the individual maximum, your plan then pays 100 percent of the allowed amount for that person
  • When what you’ve paid toward individual maximums adds up to your family out-of-pocket max, your plan will pay 100 percent of the allowed amount for health care services for everyone on the plan

3: What doesn’t go toward your out-of-pocket max?

  • Amounts you pay for health care services that aren’t included in your plan’s benefits
  • Your monthly payment, or premium, if you buy your own health insurance

Dental plans are different: Out-of-pocket maximums for dental plans also limit what you pay in deductible, coinsurance and copays. But dental plans usually only have an out-of-pocket max for members age 19 and younger.

4: How does my deductible impact my premium?

Who is this for? Anyone under age 65

Different things affect your premium. That’s the amount you pay each month to maintain your health care coverage. How many people are on your plan, the type of plan and network size all lower or raise your premium. So does a plan’s deductible.

How it works: A deductible is the amount you pay for health care services each year before your health insurance begins to pay.

In most cases, the higher a plan’s deductible, the lower the premium. When you’re willing to pay more up front when you need care, you save on what you pay each month.

The lower a plan’s deductible, the higher the premium. You’ll pay more each month, but your plan will start sharing the costs sooner because you’ll reach your deductible faster.

How deductibles impact you: There’s a big difference between a $500 and a $5,000 deductible.

Some people would rather have a smaller premium, and pay more up front for care as they go. It can make your expenses less predictable, since you never know when you might end up with a lot of medical bills.

Some people like feeling more secure financially. They like knowing that when they need their insurance, they won’t have to come up with a large sum of money before their plan starts helping with the cost. So they’d rather have a higher premium, but a lower deductible. It makes your costs more predictable.

How to get the most value from your coverage

Health insurance is a big expense. Learn how to keep your costs manageable, and how to use your coverage to the fullest.

What are essential benefits? Who is this for?

This post will help you if you’re shopping for health insurance and have questions about what’s included in every plan.

There are some health care benefits you can count on getting no matter what plan you choose. The Affordable Care Act requires that all plans cover essential health benefits for individual and family plans and small group plans.

All of Blue cross health insurance plans offer these required essential health benefits:

  • Outpatient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric vision

Some of these benefits, like preventive services, will be paid at 100 percent with no copay. Blue cross health insurance will pay for the other benefits after you meet your deductible. Depending on the plan you choose, you may still be responsible for paying a copay and coinsurance.

15 thoughts on “How To Apply For Blue Cross Blue Shield Health Insurance”

  1. Excellent post. I was checking continuously this
    blog and I am impressed! Extremely useful information. I care for such information a lot.

    I was looking for this certain informatiopn for a very
    long time.Thank you and good luck.

Comment On This Article

Your email address will not be published.