Helping You with Your Healthy Blue Living Plan

Discover how this plan from Blue Care Network can save you money, learn what requirements to complete and when, and get the support you need.

A woman jogging outdoors

 

 

Take charge of your health

Your Healthy Blue LivingSM HMO plan puts you in the driver's seat so you can achieve your health goals. But unlike other plans, you'll need to do a few extra things to get and stay healthy. We're here to help.

Enhanced vs. standard benefits

Enhanced

If you're new to Healthy Blue Living, you'll start with enhanced benefits. If you had enhanced benefits in your previous plan year, you'll keep them as long as you continue to meet the requirements. 

With enhanced benefits, you'll have:

  • Lower deductibles

  • Lower copays

  • Lower coinsurance

Standard

While standard benefits still have great value, they don't provide the same savings as enhanced benefits. If you complete the necessary requirements, you will move to enhanced benefits.

With standard benefits, you'll have:

  • Higher deductibles

  • Higher copays

  • Higher coinsurance

I need help with...

The Challenge

Getting to my online member account

Your Solution

Get quickly registered here

You know you're signed up for Healthy Blue Living, but what's this about signing in? Create access to your member account, and your to-do list, here.

THE CHALLENGE

Getting started in the program

YOUR SOLUTION

Understand the program's first steps

Details about the first two steps in the program: the BCN Qualification Form and your personal health assessment.

THE CHALLENGE

Checking my to-do list

YOUR SOLUTION

Find where I am in the program

Track your progress by making the To-Do List tab inside your BCN member account a regular stop in your daily activities.

THE CHALLENGE

My BMI is 30 or more

YOUR SOLUTION

Accomplish the weight management goals

You have options for improving your BMI, including the Steps walking program powered by WebMD®, or WeightWatchers workshops.

THE CHALLENGE

I use tobacco

YOUR SOLUTION

Tackle tobacco use

You have options for helping you quit tobacco, including Tobacco Coaching powered by WebMD®.

THE CHALLENGE

I have specific questions about the program

YOUR SOLUTION

Find specific answers

Dig a little deeper to clear the obstacles preventing you from reaching your goals.

Enhanced benefits: the pathway to savings

A woman and a health care provider looking at a tablet

STEPS 1 and 2

The first 90 days

As a Healthy Blue Living member, you'll experience lower costs when you meet certain requirements to maintain enhanced benefits. Within the first 90 days of your plan start date you must:

  1. Meet with your in-network primary care provider. They will review six health measures and report outcomes in a Blue Care Network Qualification Form (PDF) on your behalf.

    2.  

  2. Log in to your member account and complete an online health assessment.

Learn more about the first 90 days

A woman excercising and checking her smart watch

STEP 3

The first 120 days — if necessary

Weight management program

If your qualification form shows you have a BMI of 30 or more, you'll need to enroll in either WeightWatchers or a Steps walking program within the first 120 days of your plan start date to maintain enhanced benefits.

Learn about weight management

A cigarette being broken in half

STEP 4

The first 120 days — if necessary

Tobacco Coaching program

If your qualification form shows you use tobacco, you'll need to enroll in a Tobacco Coaching program within 120 days of your plan start date to maintain your enhanced benefits.

Learn more about Tobacco Coaching

WeightWatchers is an independent company that provides weight management services to Blue Care Network members. WebMD Health Services is an independent company supporting Blue Care Network by providing health and well-being services.

Healhy Blue Living plan highlights

We know health insurance can be confusing. Learning the basics of how your health plan works will help you understand and get the most value from it.

With your Healthy Blue Living plan, you'll need to choose a primary care provider, or PCP. They'll be your coordinator for all your health care needs, ensuring you get the right care at the right time.

Your plan isn't like other plans. With your Healthy Blue Living plan, you'll have the opportunity to save on your health care costs for taking steps to get and stay healthy. If you meet certain requirements, you will get enhanced benefits, which means lower deductibles, lower copays and lower coinsurance.

To have the lowest out-of-pocket costs, visit your PCP for an annual physical and take the online health assessment. Follow your personalized to-do list and you can be healthier and enjoy lower health care costs.

This to-do list can be found in your online member account under Medical. Completing the to-do list within the first 120 days will keep your plan in enhanced benefit level with lower costs.

When you need care, you'll see your PCP for preventive care, when you're sick or need prescriptions. If needed, your PCP will refer you to in-network specialists and handle prior authorizations for tests to diagnose and monitor health concerns.

Remember, in an emergency, you can go to any hospital.

For convenient access to your plan information anytime, anywhere, register and log in to your member account at BCBSM.com or the mobile app. It can help you find and choose a primary care provider, select doctors, hospitals and virtual care options, know the benefits and coverage of your health plan, estimate costs for the health care you choose to receive, check the status of your prior authorizations and referrals.

Deductibles, copays and co-insurance: what's it all mean? Let's break it down. If your health plan includes a deductible, you'll pay for certain medical costs until they add up to your plan's deductible amount. Some preventive care services, like annual visits, are included at no cost to you. You can track what you have paid towards your deductible at any time in your account.

At the start of the year, you may owe your provider a copay when you get care. A copay will be a fixed amount like 20 dollars, for example. Co-insurance is the percentage of the cost you owe for care. Your health plan pays the remaining percentage.

The amounts you pay go toward your out-of-pocket maximum. Once you've spent this amount, you won't pay anything for the rest of the plan year. Your health plan will pay 100 percent of your health care services.

Health plan details can differ. So refer to your member account to confirm your costs.