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Find A Doctor Or Hospital In Your Network.
Now that you have new health insurance, it is time to choose a doctor to help you get the most of your benefits. Choosing the one who is right for you is just that— a choice. Here are some tips on how to find a doctor or other health care provider to meet your needs:
Give the doctor a try. The next step is to schedule a visit with your top choice. During your first visit, think about how easy it is to talk with the doctor and if the doctor is a good fit for you. Remember, if you are not comfortable with your doctor, it is okay to look for another one.
If your new health insurance plan includes a pharmacy benefit, the plan will help pay the cost of certain drugs. You will be able to get your medicine from many choices of drug stores. Just like providers, certain drug stores will contract with your health plan to offer reduced costs for your prescriptions. Make sure you use a drug store that’s in your health plan’s pharmacy network to keep your drug costs low. You can also find out if you are able to get your medicine delivered to you in the mail. Mail order prescriptions may cost you less.
You also can keep drug costs low by using medicine that is covered by your plan. You’ll want to use your plan’s formulary, or drug list, to find out what's covered.
To find out if a drug you take is covered, you will need to know:
If your drug coverage is part of your BCBS health plan, you can look at your plan’s drug list by logging into Blue Access for MembersSM and clicking the “Prescription Drugs” Quick Link.
If a drug you take isn’t covered under your formulary, you can take these steps:
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Originally published August 18, 2015
Blue Cross and Blue Shield of Montana, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association
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