How to get facts on a medical service

How to Get Information on a Specific Service
You may have a medical service like an operation, test, or scan coming up. Having a procedure done or going for a test can be frightening if you don’t know what to expect. We know it’s frustrating to arrive at a doctor’s office or hospital only to learn your plan doesn’t cover the test, or that your coinsurance is more than you expected. Rather than feeling helpless about what is happening with your medical claims and services, you do have the power to learn the details about your coverage. Here are a few ways:

  1. Ask IvyIf you have questions about a service, you can Ask Ivy, your virtual assistant Ivy can guide you to a wealth of information right on your computer screen.
  2. You can also perform a search on Blue Cross and Blue Shield of Montana’s home page. Searching will guide you to any pages with general information about your request and guide you to the information you need.
  3. For most basic details on your expected out-of-pocket cost for a service, you can log into Blue Access for Members and click on the ‘My Coverage’ tab. On this page, you can view a summary of your health insurance details, like your copay and coinsurance  benefits for the cost of a specialist or emergency room visit. You can review your deductible limits and the maximum amount your plan covers for a procedure or for the year. There is also information on the cost of generic and retail prescriptions and links to prescription drug formularies according to your benefit level.
  4. If you need to learn more details about a specific service or claim, you should call the customer service number on your ID card to get information. You can also send us a private message right here on Connect, and we’ll direct your question to someone who can help you.

Whether it’s big health and wellness services or routine family services, it’s best to approach managing your health care armed with the facts. You have a lot of material at your fingertips, and we have the information you need to help you navigate!

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