The Blue Cross Blue Shield Association (BCBSA) is one of the most recognized names in health insurance, both in the United States and around the world. Blue Cross Blue Shield has a presence in over 170 countries. The U.S. federation consists of 36 separate health insurance organizations located throughout the United States. More than 107 million Americans can Sign Up For Blue Cross Blue Shield Online and can claim to be insured by Blue Cross Blue Shield through the membership of all locations combined.
Their Health Insurance Options
There are many options for your health insurance needs through a Blue Cross Blue Shield plan, no matter your family situation or budget. Here are some of the most popular plans along with their perks.
1: Flexible Spending Account (FSA) plans are great for families with a limited budget who still need to buy a health insurance policy. The FSA is an account where you can save money tax-free to apply to your health insurance deductible or other health insurance-related expenses. You can have your money deducted directly from your paycheck if you choose.7 Blue Cross Blue Shield has its own bank which administers this plan. It is the Blue Healthcare Bank. The bank assists members with deposits, withdrawals, and any other questions or assistance needed.
2: The Health Savings Account (HSA) is similar to the FSA, but money can only be used for medically qualifying expenses. Many people use these accounts to save up money to apply toward a high-deductible policy. The advantage is you can still save money toward a deductible and also enjoy the low premium cost of a high-deductible health insurance policy. HSA plans are tax-deductible.
3: Health Reimbursement Arrangements (HRAs) are a plan for employers who may not be able to afford to provide full health benefits to employees but still want to offer some type of health benefit. A pre-determined amount of money will be disbursed to employees for special medical expenses for them or their family including prescriptions, co-payments, or other types of medical expenses. The reimbursements are tax-free for qualified medical expenses.9
4: A Health Maintenance Organization (HMO) plan allows comprehensive medical coverage at low costs by having members use only providers inside the health maintenance organization. The savings by using an HMO plan can be quite significant. The Preferred Provider Organization (PPO) plan is similar, but it offers a little more flexibility. With a PPO, you may go out-of-network for service, although less of these expenses will be covered when you do.
Blue Cross Blue Shield Member Services
Blue Cross Blue Shield offers many helpful member services for its policyholders. From the website, you can get your questions answered, find the cost of a medical procedure, review your plan’s details, make changes to your coverage, file a claim, check the status of a claim, review your balance, get a replacement member ID card, and access all your benefits and services. You can also find your local Blue Cross Blue Shield company by entering the first three characters from your member ID card. If you don’t have your membership card available, you can also search for a local BCBS company by entering your state or zip code.
Pros & Cons
A benefit to Blue Cross Blue Shield is that the majority of healthcare providers and doctors will accept the insurance. That makes it easy to find a convenient place to seek treatment. BCBS also comes with the financial strength and reliability of being a well-established company with decades of proven experience. The size of the company benefits customers through its multiple healthcare and HSA plan options.
The size of the company can also be a drawback, especially since it is broken into regional companies that, in many ways, function separately. That can make it difficult to find specific information on the BCBS website. Customers must instead track down their regional company, then seek information from that organization. The size of the company can also create issues with customer service. It can be difficult to track down the correct people who can help you with a given problem.
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How To Sign Up For Blue Cross Blue Shield Online
It’s easier than ever to manage your Blue Cross Blue Shield of Michigan plan. Sign Up For Blue Cross Blue Shield Online today. It only takes a few minutes.
Enjoy all the features your account has to offer
Convenient, safe and secure
- Sign up quickly and securely with the last four digits of your Social Security number.
- Or, register with your Enrollee ID – it’s on the front of your Blue Cross card.
Your plan, on demand
- See plan coverage anytime, day or night
- Check your claims and deductible
- Access your virtual ID card and share it with doctors
- Ask MIBlue, our virtual assistant, for help with finding the right plan information
Doctors and cost search
- Find a doctor who accepts your plan
- Compare prices for prescriptions
- See cost estimates for procedures
To Sign Up For Blue Cross Blue Shield Online go to:
- Enter your Full name in the box provided.
- Enter your Birth date
- Enter your Social Security number (Only enter the last four digits)
- Finally Click Continue.