As a member, you have access to resources, tools and even savings on retail items.

For example, you may be able to save time and money, lose weight, quit smoking, and even get discounts at retail stores.

Here are tips for making your health insurance plan work for you.

Use Your Member Perks

To get the most out your plan:

  • Take advantage of programs. If your plan provides health screenings or wellness programs, use them to improve your health. For example, some have programs to help you lose weight or quit smoking at no extra cost to you.
  • Learn how to live a healthy lifestyle. We have information to help keep you and your family healthy. Sign up for newsletters, read articles online or check out the easy-to-use health and wellness tips.
  • Get online. Our secure member website, Blue Access for MembersSM (BAMSM), shows where you can find more information and gives you access to many tools and programs that can help you use your plan more efficiently.

Make the Most of Your Medical Benefits

Medical benefits are most likely the No. 1 reason you chose to get health care coverage. Here’s what you can do to get the most out of your benefits.

  • Stay in your plan’s network. Most health plans have negotiated discounts with doctors, hospitals and other health care experts who are in their network. That often means lower out-of-pocket costs to you.
  • Use the emergency room (ER) for emergencies only. Emergencies call for a trip to the closest ER. When it’s a simple cold, minor sprain or another less serious health issue, your first stop for care is your doctor or primary care provider.
  • Follow your doctor's orders. Take any drugs, treatments or therapies your doctor tells you to, and be sure to follow directions. That way you may get better faster and avoid extra costs.
  • Ask for the generic version of brand name drugs. Generic drugs often cost less than brand-name drugs. Generic drugs have the same ingredients and work the same as the brand-name versions.
  • Use freestanding medical service facilities. Schedule lab work, imaging like x-rays and MRIs, and other services at clinics instead of at a hospital.