A Guide to Understanding Your Health Plan

Welcome! Whether you’re new to Blue Cross and Blue Shield of Rhode Island (BCBSRI) or have been a member for many years, health insurance can be confusing, but we’ll help to make it simpler for you.

This page takes away the guesswork, including definitions, common sense examples, and more. If you can’t find what you're looking for, call us at the number on the back of your member ID card.

We’re here for you – it takes a team!

The basics: How does insurance work?+
Where can I get care?+
Why should I use the Blue Cross network?+
What are some different types of healthcare services?+
How are my services paid for?+
How do I file a claim?+
Healthcare Services Summary (formerly the explanation of benefits, or EOB)+
The ABCs of HSAs and HDHPs*+
Prescription coverage+

*HSAs are not insurance. HSAs are individual accounts, and are subject to eligibility and restrictions, including but not limited to, restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions.