Understand What Your Plan Covers and Your Costs

It’s important to understand what care your plan covers and what you may need to pay as your share for the cost of care. There are ways to learn more:

1. Your Benefit Book

This can be found in your member account, MyBlue. It explains all of your health plan details.

2. The Summary of Benefits and Coverage (SBC)

This document comes with your member ID card. It is also available online in your member account on MyBlue. It’s a great way to learn what your plan covers, how it works, your cost share amounts, and more.

3. Drug Cost/Copay Calculator

Check out your cost before you buy. Log in to MyBlue and select “Drug Cost/Copay Calculator.” You can learn more about your prescription benefits and more.

You can also call the number on the back of your member ID card for more information.


Save Your Healthcare Dollars

What are my symptoms? When should I go for care? How long will I wait? What will it cost me? You have options for getting the care you need.* Select one of the options below to learn more:

Primary Care Provider

Retail Clinic

Urgent Care

Emergency Room

Learn other ways to save money and more

Visit your personalized MyBlue account and click the “Find A Doctor” tab to find healthcare providers in your network. There, you can also use the “Cost for Procedures” tool to get estimates on various treatments like an X-ray, knee replacement, and more.

Most health plans cover preventive services like flu shots, vaccinations, blood pressure checks, and other screening tests. Note that you most likely won’t pay for preventive services if you use providers in your plan’s network. Reach our “Nurse On Call” service at any time if you’re unsure where to go for non-emergency healthcare at 1 (866) 422-2729 or try a virtual visitvirtual visit.

*Call 911 in an emergency.
Blue Cross Blue Shield of Arizona members should always consult with their healthcare provider about medical care or treatment. Recommendations, advice, services, or online resources are not a substitute for the advice, opinion, or recommendation of a member’s healthcare provider. Services or treatment options may not be covered under BCBSAZ benefit plans.


Get the Care You Need to Stay Healthy

Select one of the options below to learn more:

Preventive Care

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Virtual Visit

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Getting and Staying Healthy

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Preventive Care

One of our goals as your health insurance provider is to offer you access to resources to be your healthiest while saving money. A healthy life consists of good preventive care. This can include:

  • Annual wellness visits
  • Blood pressure tests
  • Cancer screenings
  • Cholesterol screenings
  • Flu shots and routine vaccinations
  • Mammograms
  • Well-baby and well-child checkups
  • Well-woman checkups

These can help you avoid diseases and catch health issues early, saving you time and money down the road and possibly even saving your life. Staying on top of your preventive care can make a big difference in helping to keep you healthy now and for years to come. Talking with your doctor about how to best manage your current health can result in an action plan that’s right for you.

BlueCare Anywhere

Discover the ease and convenience of telehealth services. Seeing a doctor can be inconvenient if you have a busy schedule, or if you feel too ill to drive. You can see a board-certified doctor, counselor, or psychiatrist from the privacy of your home or anywhere. Just sign in on your computer, tablet, or mobile device to have your appointment whenever and wherever you need.*

*Virtual visits do not provide emergency care. In an identified or probable emergency, the virtual visit provider will direct the patient to seek emergency care. Eligibility of BlueCare Anywhere and services will vary.

Getting and Staying Healthy

HealthyBlue® is our health and wellness program. It provides you with the tools, services, and resources you need to get started on the path to good health. For eligible members,** HealthyBlue includes:

Health Assessment – This confidential survey asks questions about your lifestyle habits and medical history. The assessment tool uses your answers to give an overview of your current risk for health problems and will show you simple steps that may reduce risk.

Care Management – A care manager may reach out to provide one-on-one guidance if you experience a tragic event or diagnosis. Care managers may also help you get the care your health plan covers and help you learn about community resources that provide added support.

For more preventive care support and recommendations, log in to your personalized MyBlue account and visit the Health and Wellness tab. You can also click “Health Recommendations” to use the Preventive Health and Wellness Guide. You can also call 1-877-694-2583.

**Availability of services and programs will vary. Not all programs are available to all members. Certain programs, such as health coaching, have eligibility requirements. Blue Cross Blue Shield of Arizona members should always consult with their physician or healthcare provider about medical care or treatment. Recommendations, advice, services, or online resources are not a substitute for the advice of a member’s physician or healthcare provider. Services or treatment options may not be covered under BCBSAZ benefit plans. Certain health and wellness services are provided by an independent third party contracted by BCBSAZ to provide health enhancement services to BCBSAZ members.



The fixed or set dollar amount ($25, for example) you pay for certain healthcare services that are covered by your plan. Prescriptions and visits to a doctor in your network are examples of covered services that often have copays.


The amount you owe for covered healthcare before your insurance benefits kick in. Let’s say you have a plan with a $1,000 deductible. You would pay the first $1,000 for the services you use. After that, your plan would pay its share. You still pay any copays or coinsurance.

Out-of-pocket maximum

The most you pay in a year before your health insurance pays 100% of the cost of covered, in-network services. The out-of-pocket maximum puts a cap on healthcare costs if you ever have a major illness or injury.


The percentage of costs of a covered healthcare service you pay after you’ve paid your deductible. Let’s say the allowed amount to see a specialist visit is $100 and your coinsurance is 20 percent. Your cost is $20 if you’ve already paid your annual deductible. Your plan would pay the remaining 80 percent, or $80.

Health Savings Account (HSA)

HSAs are savings accounts that have tax advantages. The money you put in your HSA can be used to cover the cost of many healthcare services that aren’t paid for by your health plan, such as your member cost share. You can’t use an HSA to pay your premium. You have to enroll in a qualified high-deductible health plan before you can set up an HSA.

Visit azblue.com/learnmore to see FAQs, instructive videos, and more.


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