What health insurance or network do you have?

What health insurance or network do you have?

Your health plan or network is listed on the front of your Blue Cross and Blue Shield of Oklahoma (BCBSOK) member ID card. If you have questions about which network you have, call the Customer Service number on your card.

Tips for members of HMO medical coverage

  • Always see your Primary Care Physician (PCP) first. When you apply for health insurance, you will be able to choose a PCP or one will be assigned to you. Your PCP is often your partner in keeping you healthy. A pediatrician can be your child’s PCP. An OB/GYN can be an insured woman’s PCP.
  • Stay within the network. If you go to a doctor or hospital that is not in your network, in most cases you will be responsible for the full cost of your care. Use Provider Finder ® to find doctors, specialists, hospitals, and pharmacies in your network. You can also check to see if your network includes diagnostic imaging centers or labs before getting tested. Sign up or log in to Blue Access for Members SM, our secure site for members, to do a personalized search based on your health plan and network.
  • Get a referral to a specialist. If you need to see a doctor for a specific condition, your PCP will refer you to a specialist. Check the Provider Finder to make sure the specialist is in your network. You do not need a referral from your PCP to see your in-network OB/GYN.
  • Request prior authorization. Certain tests and procedures must be approved in advance before they can be performed as described in your benefit documents. You or your doctor must call the prior authorization (prior certification) number on your membership card.
  • Go to the emergency room only for emergencies. If your illness or injury is serious or life-threatening, call 911 or go to the nearest emergency room. You do not have to stay within the network.
  • Know where to go. Before you seek health care, make sure you know how your coverage works, what it includes, and where to go. This could help you save time and money.

Tips for PPO Health Insurance Members

  • Stay within the network. If you go to a doctor or hospital that is not in your network, in most cases you will be responsible for the full cost of your care. Use Provider Finder ® to find doctors, specialists, hospitals, and pharmacies in your network. You can also check to see if your network includes diagnostic imaging centers or labs before getting tested. Sign up or log in to Blue Access for Members SM, our secure site for members, to do a personalized search based on your health plan and network.
  • Find a doctor. You do not need a referral to see a doctor or other health professional for a specific health problem. But the person you choose must be part of your plan’s network so you don’t have to pay higher costs for care from professionals who aren’t part of the network.
  • Request prior authorization. Certain tests and procedures must be approved in advance before they can be performed as described in your benefit documents. You or your doctor must call the prior authorization (prior certification) number on your membership card.
  • Go to the emergency room only for emergencies. If your illness or injury is serious, call 911 or go to the nearest emergency room. You do not have to stay within the network.
  • Know where to go. Before you seek health care, make sure you know how your coverage works, what it includes, and where to go. This could help you save time and money.
By aamritri

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