BlueChoice Insurance Plan Q&A

BlueCross BlueShield of Georgia
Answers to Commonly Asked Questions About Blue Cross Insurance Plans

Can I pay the copayment for a doctor visit right away, or do I have to satisfy my deductible first?

By choosing any Blue Cross Copay Insurance plan, you can visit a network doctor or specialist and just pay a copay right from the start (except for preventive care) without meeting your deductible! However, be sure to check plan benefits because some insurance plans have a limit to the number of office visits they allow that utilize a copay, and HSA plans are not considered "copay plans" because benefits are paid after the deductible is met.

What if I want to use a doctor or hospital outside the network?

You have the freedom of choice! Although you'll save money when you use a Blue Cross network provider, you're free to use doctors or hospitals outside the network. Refer to the benefits pages to compare in-network and out-of-network benefits. Keep in mind, you have a wide choice of doctors and hospitals within the Blue Cross POS and PPO networks and your doctor may already participate.

Can I cover just my kids if I want to?

Unfortunately, due to the new healthcare reform guidelines enacted by the President, insurance companies no longer offer "child-only coverage". In order to obtain coverage for your children, a parent must apply and be accepted for coverage on the same application. However, if a parent applies and is accepted, coverage is guaranteed for any of that parents children that are included on the same application.

What if I have an emergency when traveling?

Don't worry. You'll receive your in-network benefits for emergency care and accidental injuries throughout the country. For non-emergency care in another state, the plan pays out-of-network benefits unless you utilize a Blue Cross facility in the state you are visiting.

How much do the new Blue Cross plans cost?

It's quite affordable. Prices vary depending on your coverage selections. Please note: You can never be singled out for a rate increase-or have your coverage canceled-due to your age, health, or the number, type, or size of the claims you may have. Rates can only be adjusted if they are adjusted for all Blue Cross members who are enrolled in the same plan as you.

Who should I call if I have a question?

At Insurance Now, we will be happy to assist you with the completion of your application, or to answer any remaining questions you may have. Please feel free to call us at (770) 396 - 9517 or toll-free outside Atlanta at (877) 711- 8376.

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Insurance Now
5 Dunwoody Park South
Suite 136
Atlanta, GA 30338
Call Holly or Chris at
(770) 396-9517
Outside of the Atlanta area,
call toll-free:
1-877-711-8376.
Email: holly@insurance-now.com

	Can I pay the copayment for a doctor visit right away, or do I have to satisfy my deductible first?
	By choosing any Blue Cross Copay Insurance plan, you can visit a network doctor or specialist and just pay a copay right from the start (except for preventive care) without meeting your deductible! However, be sure to check plan benefits because some insurance plans have a limit to the number of office visits they allow that utilize a copay, and HSA plans are not considered "copay plans" because benefits are paid after the deductible is met.

	What if I want to use a doctor or hospital outside the network?
	You have the freedom of choice! Although you'll save money when you use a Blue Cross network provider, you're free to use doctors or hospitals outside the network. Refer to the benefits pages to compare in-network and out-of-network benefits. Keep in mind, you have a wide choice of doctors and hospitals within the Blue Cross POS and PPO networks and your doctor may already participate.


	Can I cover just my kids if I want to?
	Unfortunately, due to the new healthcare reform guidelines enacted by the President, insurance companies no longer offer "child-only coverage". In order to obtain coverage for your children, a parent must apply and be accepted for coverage on the same application. However, if a parent applies and is accepted, coverage is guaranteed for any of that parents children that are included on the same application.


	What if I have an emergency when traveling?
	Don't worry. You'll receive your in-network benefits for emergency care and accidental injuries throughout the country. For non-emergency care in another state, the plan pays out-of-network benefits unless you utilize a Blue Cross facility in the state you are visiting.

	How much do the new Blue Cross plans cost?
	It's quite affordable. Prices vary depending on your coverage selections. Please note: You can never be singled out for a rate increase-or have your coverage canceled-due to your age, health, or the number, type, or size of the claims you may have. Rates can only be adjusted if they are adjusted for all Blue Cross members who are enrolled in the same plan as you.

	Who should I call if I have a question?
	At Insurance Now, we will be happy to assist you with the completion of your application, or to answer any remaining questions you may have. Please feel free to call us at (770) 396 - 9517 or toll-free outside Atlanta at (877) 711- 8376.

5 Dunwoody Park South Suite 136 Atlanta, GA 30338	Call Holly or Chris at (770) 396-9517 Outside of the Atlanta area, call toll-free: 1-877-711-8376. Email: holly@insurance-now.com