Navigating Health Care

Using Providers who are in the Blue Cross Network Protects Your Wallet

Did you know that you may pay significantly more for care you receive from out-of-network providers?

The providers in the Blue Cross network, those we call “network providers,” agree to accept reasonable payment for services and supplies, also known as the “allowed amount.” We prohibit our network providers from billing our members for costs that exceed the allowed amount, so you pay only your plan’s deductible, co-payments, or co-insurance for the in-network covered care you need.

November 1 marks the beginning of the open enrollment period for qualified health plans (QHP). The annual period allows individuals and small groups (employers with 100 or fewer employers) to enroll in health care plans for the coming year.

If you’re new to the world of QHP, don’t stress. There are a range of plans with varying costs and features that can meet your specific health care needs. Whether you have been covered by a plan in the past or this is the first year you’ve been in the market to enroll, you should be aware of some of the main terms and what to look for when you enroll.

“We are trying to make every week special by doing new kinds of things—we can’t go a lot of places now, but I am playing new games with the kids, and we are trying things we don’t normally do. A big part of recovery is taking care of my brain health too.”

A big part of healthy aging is having the right health coverage in place. If you’re age 65 or older, your best path to peace of mind begins with Medicare. Medicare can help you maintain your wellness, manage your expenses, and access the care you need if you do become ill.
Prescription drug costs are the main driver of rising health care premiums. These seven simple ways to save can help you cut your costs and keep Rx expenses down for everyone.
Health savings accounts (HSA), health reimbursement arrangements (HRA), and flexible spending accounts (FSA) are simple pre-tax ways for you to use for health care expenses today and save money for the future. But how do these accounts work, and how do you decide which type(s) might be right for you?
At Blue Cross and Blue Shield of Vermont, we have always worked diligently to keep our premiums as lean as possible. This year is no different. Unlike many insurers, BCBSVT is a non-profit company and therefore our rates reflect the actual cost of care, and do not have profit margins built in.
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