Network Blue New England
Network Blue New England relies on a primary care provider (PCP) to coordinate all of your health services. PCPs guide you through the healthcare system and provide referrals to specialists as needed, to help ensure the appropriate level of care. PCPs and members work together to identify health needs and to help prevent minor illnesses from becoming serious problems.
A few highlights of your plan:
- A primary care provider (PCP) who is your “regular” doctor and provides referrals for specialists, tests, and some other services as needed
- Doctors, hospitals, and labs in Rhode Island, Connecticut, Maine, Massachusetts, and New Hampshire
- $0 for many preventive services, such as your annual physical, when you see a network provider
Your plan's network
- 11,000+ PCPs
- 30,000+ specialists
- Close to 200 hospitals
Save money with your HSA
Think of an HSA like a retirement account for medical expenses. You can add money to your account and spend it now. Or you can keep saving and use it later in life. Either way, you get a triple tax advantage.
$0 for prevention
You can make a big difference in your health by getting the preventive care you need. Annual physicals, routine tests, and many more services may cost you nothing out-of-pocket when you receive the services in-network.
Find a doctor and see the cost
Know the basics
The amount you pay before your health plan starts to pay for certain medical bills. It resets every calendar year or plan year.
A specific dollar amount you pay when you get healthcare. Example: A doctor might charge $100 for a visit. If your health insurance has a $20 copay, you would pay the doctor $20 and your insurance would pay the doctor $80.
The percentage of the total medical bill that you have to pay after you’ve met your deductible. For example, some plans have a 20% coinsurance charge for physical therapy. So if the total bill is $100, the coinsurance would be $20.
The maximum amount you would pay out-of-pocket for covered healthcare services each year, including deductible, copays, and coinsurance. After the out-of-pocket is met, in-network covered services are paid at 100% by Blue Cross & Blue Shield of Rhode Island.
An order from your primary care provider (PCP) for you to receive care from another doctor, specialist, or medical facility.