BlueCHiP Direct Advance
A few highlights of your plan:
- A primary care provider (PCP) who is your "regular" doctor and provides referrals for specialists, tests, and some other services
- A network that includes 250+ PCPs, 1,500+ specialists, and major RI hospitals
- Full coverage for programs to stop smoking, lose weight, and manage conditions like asthma and diabetes
¿Necesita una derivación?
Your healthcare in this plan is based on referrals from your PCP, but some types of care, like emergency and mental health services, don’t require a referral.
PCP and PCMH explained
Think of a primary care provider (PCP) as your regular doctor, the one you see for a checkup and when you have a medical concern. When they work with a patient-centered medical home (PCMH), they lead an entire team to help you.
Earn rewards just for making healthy choices
Our wellness program will keep you stepping, tracking, and having fun while improving your health.
See a doctor online
You can use Doctors Online when you can’t get to your own doctor’s office. Set up your account now so it's ready for you when you need it.
$0 for prevention
You can make a big difference in your health by getting the preventive care you need. Annual physicals, routine tests, and many more services may cost you nothing out-of-pocket.
Know the basics
Deducible
El monto que paga antes de que su plan de salud empiece a pagar ciertas facturas médicas. It resets every calendar year or plan year.
Copago
Un importe específico que usted paga cuando recibe atención médica. Ejemplo: Un médico puede cobrar $100 por una visita. Si su seguro médico tiene un copago de $20, usted le pagaría al médico $20 y su seguro le pagaría al médico $80.
Coseguro
The percentage of the total medical bill that you have to pay after you’ve met your deductible. For example, some plans have a 20% coinsurance charge for physical therapy. So if the total bill is $100, the coinsurance would be $20.
Máximo de bolsillo
The maximum amount you would pay out-of-pocket for covered health care services each year, including deductible, copays, and coinsurance. After the out-of-pocket is met, in-network covered services are paid at 100% by Blue Cross & Blue Shield of Rhode Island.
Derivación
Una orden de su proveedor de atención primaria (PCP, por sus siglas en inglés) para que usted reciba atención médica de otro médico, especialista o centro médico.
