New to Health Insurance, Have Questions?
Question:
I have Blue Cross and Blue Shield..
What are these copays on the back on the card, Is that what I pay to the doctor:
It says: Primary Office: 35.00
Specialist: 70.00
Etc.
What is covered and what is not?
I need to make an appointment soon, what can I expect to pay, does it cover birth control or should I just call the company and ask??
Answers:
The Primary office visit copay of $35.00 is what you pay to the clinic upon your visit.
If you need to see a specialist it's $70.00. However, an OBGYN is not considered a specialist, as it is a federal law that any woman can see an OBGYN without a referral.
As far as what is covered and what is not, go to your www.bluecrossblueshield.com and register. Out there you should be able to find their drug list and other benefit information on what is covered and not covered.
If you don't have any success, then call the insurance company and talk to someone in benefits.
I work in the field and for the primary that is your copay for any primary care visits and if he/she sends you to a spec well you would have to pay 70. That is a lot of money for co-pays.
No one would be able to tell you what your coverage is but BC BS call the customer service # on the back of the card and they can give you a break down of your benefits.
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