BlueSolutions
A few highlights of your plan:
- You receive tax advantages when you open a health savings account (HSA)
- $0 for many preventive services, such as your annual physical
- Full coverage for programs to stop smoking, lose weight, and manage conditions like asthma and diabetes
Save money with your HSA
Think of an HSA like a retirement account for medical expenses. You can add money to your account and spend it now. Or you can keep saving and use it later in life.
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.
Doctors Online es un servicio de telemedicina proporcionado por American Well®, una empresa independiente que administra Doctors Online en nombre de Blue Cross & Blue Shield of Rhode Island.
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 healthcare 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.
