Understand Costs

Depending on the plan you choose, you may be required to pay the following out-of-pocket before your insurance covers at 100 percent:

  • Deductible  — The amount you pay before your insurance begins picking up any of the costs for certain services. Deductibles are typically between $500 and $2,000.
  • Copayment  — The cost you're required to pay for certain services or prescription medications. Your copayments will vary depending on your plan and the type of service or medication you receive.
  • Co-insurance — A percentage of the cost a doctor or hospital charges that you're required to pay.

You'll get the best benefits if you choose providers in the nationwide network, however you can also choose to see providers outside the network for care.

Note: If you have a plan with Hospital Choice Cost Sharing, you will have different out-of-pocket costs depending on the hospital where you choose to get care.

Compare costs for care, make smart choices

Our Medical Cost Comparison Guide allows members of our PPO plans to compare the approximate costs of medical procedures at health care providers across the country. By providing our members with cost and quality information, they have the data they need to make better informed decisions.

This powerful tool provides cost information on more than 100 procedures, including average and high and low costs for each health care provider, PPO members make more informed decisions.

For PPO and POS plan members

Your expenses are lowest when you use doctors, hospitals, and other health care providers in the Blue Cross network. If you choose an out-of-network health care provider, you will pay significantly more for your care. This can include:

  • Deductibles and co-insurance
  • Services that we do not consider medically necessary
  • Any charges greater than those your plan covers

You can find an in-network health care provider using our Find a Doctor search.

To see the specifics of your benefits, log in to MyBlue and click on the Review My Benefits link.

Other Information

Have more questions? You can find definitions of other common medical terms or get answers to FAQs 24/7.

Your member ID card contains valuable information so it's important for you to know how to read your ID card.