How To Get The Most From Your Insurance

Your BCBSND insurance does more than just cover your medical expenses. We’re invested in making your life healthier with free benefits to save you time and money and increase your wellness.
Preventive health care
One of the greatest savings you can take advantage of is preventive care. Many of these medical services are covered 100 percent from the start – before you even meet your deductible. Some examples are:
  • Blood pressure check
  • Lipid panels
  • Diabetes assessment
  • Women’s yearly exam
  • Prostate exam
  • Age-recommended screenings such as a colonoscopy or mammogram
  • Immunizations
Also, some plans may include free assistance if you are trying to quit smoking.
Free assistance with medical needs
From rare or complex health conditions to the intricacies of pregnancy, BCBSND offers several options for additional health support. 
For critical medical conditions or high-risk pregnancies, BCBSND may be able to assign someone to help you navigate the medical and insurance maze. This help comes from Member Advocates who work at no additional cost to walk you through:
  • Obtaining pre-authorizations and prior approvals
  • Understanding medical terms
  • Navigating health care networks and managing referrals
  • Clarifying medical bills and Explanations of Benefits (EOBs)
  • Talking to medical staff with you, or on your behalf
  • Recommending community resources and services for additional support
Get paid to work out
Certain BCBSND health plans offer a health club credit when you regularly work out. Basically, it’s an easy way to get a gym membership discount. Just visit your eligible gym 12 or more days per month and you’ll get a reimbursement the following month so you can save money and feel better.
Online health management tools
Some BCBSND members have access to HealthyBlue, an online health wellness center. This tool helps you track you track progress on health goals and offers a free health assessment. After completing this online, you receive a personalized health plan based on your wellness goals for:
  • Preventive health
  • Nutrition and exercise
  • Blood pressure, cholesterol and body mass index (BMI)
  • Tobacco, drug and alcohol use
  • Emotional health
  • Safety behaviors
Plus, some members earn rewards for achieving their goals with points you can redeem at popular retailers. Ask your human resources professional if you have this benefit.
Free health tips and insights
BCBSND offers a wide range of timely topics and advice with BCBSND Tips & Insights. Our blog covers health insights, common insurance questions and terms as well as safety tips and upcoming health events. You can search for topics based on your needs or check back often for new articles and information.
Additional resources
Want to check the free services offered by your BCBSND health plan? Just contact our Member Services online or call 800-342-4718. 
Need a health plan that covers your health care needs? Shop and compare for the next enrollment period.