How Health Insurance Works

Have questions about how your Blue Cross Blue Shield health insurance works? We've covered the basics of health plans for you.

What you pay

How do deductibles, coinsurance and copays work?

Learn about deductibles, coinsurance, and copays, and what they mean to your out-of-pocket costs.
How do out-of-pocket maximums work?

Learn about the maximum amount you will pay out of pocket for covered health care services.
What's the difference between in-network and out-of-network benefits?

Learn about the difference in out-of-pocket costs when you select in-network health providers vs. out of network.
What is coordination of benefits?

If you have two health plans, we work with the other insurer to help pay your claim.
What are essential health benefits?

The Affordable Care Act requires you to receive essential benefits regardless of which health plan you choose.

What's the difference between HMO and PPO plans?

Learn about the differences between HMO and PPO plans to help you decide which one is best for you.
What do I need to know about the different Blue Cross networks?

Learn how your health plan determines the network of health care providers and hospitals you choose.
What do I need to know about Healthy Blue Living?

Learn about our Healthy Blue Living HMO program for a chance to save on out-of-pocket costs.