Understanding Health Insurance

Get to know the ins and outs of health insurance with Blue.

Why Health Insurance

Navigating the world of health insurance can be confusing, especially for those who are new to it. Health insurance is there to help keep the cost of routine and emergency medical care low and improve the health of everyone.

Insurance Helps You
  • Protect your finances from unexpected expenses
  • Improve your access to healthcare
  • Maintain health through preventative care

Need help choosing a plan?

A woman of African descent and her doctor are indoors in a medical clinic. The woman is sitting and describing her symptoms to the doctor.

Understanding Health Insurance Basics

Health insurance is an agreement between you and your insurance company. Your monthly premium payment gives you coverage for much of your medical expenses, depending on your plan. Just like with car, house, or life insurance, your health insurance exists to offset and lower the cost of major medical expenses.
Not sure what health insurance coverage you need? This guide might help.

Understanding Your Health Insurance Benefits

Your specific benefits will vary based on the plan you choose. Some of the more common items that health insurance can help you with are:
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    Preventative, Annual Check-ups

  • Medical_Healthcare_Pharmacy

    Prescription Medication Costs

  • Medical_Healthcare_Emergency_ER

    Emergency Room Visits

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    Chronic Disease Management

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    Maternity and Newborn Care

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    In- and Out-patient Surgeries

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    Lab and Imaging Services

  • Medical_Healthcare_Mental Health

    Therapy and Counseling

  • Medical_Healthcare_vaccination


Your chosen healthcare plan will come with an Summary of Benefits (SOB) that outlines your plan options and the cost for services you may be responsible for.

Health Insurance How-To's

Once you have chosen your health insurance plan, you’ll need to get to know your benefits and start using your plan. Here’s how you can get the most out of your coverage.
  • Get to Know Your Plan

    Understand your plan’s coverage, including your deductibles, copays and doctor network.
  • Use an In-Network Doctor

    Choosing doctors from your health plan's network ensures you are not overpaying for healthcare.
  • Use Preventative Care Benefits

    Most plans cover your yearly wellness exam at 100%, meaning that visit will cost you nothing.
  • Manage Medications

    Ask your doctor about generic versions of your medications to help you reduce costs while getting the same benefits.
  • Get Referrals Set Up

    If you need a primary care provider (PCP) referral for specialists, ensure you get those before your specialist visit.
  • Organize Your Medical Records

    Keep track of your EOBs and medical bills to ensure you have all documentation for claims and taxes.
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Need help choosing a plan?

Our team is here and ready to help you choose the right plan that fits your needs.