WELCOME TO A MORE SECURE FUTUREW I T H A R K A N S A S B L U E C R O S S A N D B L U E S H I E L D

A GUIDE TO USING YOUR NEW POLICY

THANK YOU!Having a health insurance policy is a smart move in protecting your future. You know that your health matters today, not just inthe distant weeks and years.

That’s why you’re covered by Arkansas Blue Cross and Blue Shield, the card that opens doors in all 50 states. Whatever your needs are — we’re here to help and serve you, starting right now.

Take a look. We make it simple. Resources are just a phone call, tap or click away. Your next step is easy — simply read this booklet and take advantage of all we have to offer you.

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GET HELP WHEN YOU NEED IT

GET HELP WHEN YOU NEED IT It’s not an empty promise. We really are here for you. Friendly service when and how you need it.

Arkansas Blue Cross locationsFayetteville516 E. Millsap RoadSuite 103Fayetteville, AR 72703479-527-2310

Fort Smith 3501 Old Greenwood Road, Suite 5 Fort Smith, AR 72903479-648-1635

Hot Springs1635 Higdon Ferry RoadSuite J Hot Springs, AR 71913501-620-2620

Jonesboro2110 Fair Park Blvd. Suite I Jonesboro, AR 72401870-935-4871

Little Rock2612 S. Shackleford RoadSuite JLittle Rock, AR 72205501-378-2222

Lowell 507 W. Monroe Ave.Suite B Lowell, AR 72745479-527-2380

Pine Bluff509 Mallard Loop Pine Bluff, AR 71603870-536-1223

Texarkana1710 Arkansas Blvd.Texarkana, AR 71854870-773-2584

Group No. 9876543210

RXBIN 123456

RXPCN ADV

RXGRP RX0000

DOB 10/04/1945

PCP/PHONE#JOHN A SMITH(501)555-1234

Copay $20/$35

Coins 20%

RX Copay $12/35/55/100%

Deductible $500Open Access POS

Member Name: JOHN L DOE

Member ID: ZZZ123456789

®

ID CARD AND COVERAGE START DATE

GROUP NUMBERUsed to check your plan’s benefits

Helps us identify who you are, the type of plan you have and how your claims are paid

MEMBER ID NUMBER

How much you pay for a doctor visit, depending on the type

COPAY

Disclaimer: Your card may look slightly different or have different information based on the health policy you have.

1

RX CATEGORIESUsed by the pharmacy to determine what’s covered, apply your discount and file your claims

3

2

4

1

3

9

4

Your member ID card is your ticket to healthcare You will receive your member ID card after enrollment. Think of your member ID card as your ticket to quality healthcare. You’ll want to carry it with you when seeking care so you and the health-care provider can see what healthcare coverage you have. You’ll need your member ID card any time you visit a:

§ Doctor

§ Hospital

§ Pharmacy

§ Anywhere you get health services

Coverage start dateYour member ID card should come to you in the mail attached to another piece of paper. That paper is worth keeping, too — it will have the coverage start date of your policy. The coverage start date is the day you can begin using your insurance to see your doctor and get prescriptions filled. Your plan does not cover any medical or pharmacy costs until the coverage start date of your policy.

2

How much of your medical bill you must pay after meeting your deductible

COINSURANCE5

How much you pay for your prescriptions depending on their type

RX COPAY6

Lets us know what kind of coverage you have

TYPE OF PLAN8

How much you pay for medical expenses before the health plan begins to pay for some covered services

DEDUCTIBLE7Represents access to national BlueCard® network (see Find Medical Care Quickly for more information)

SUITCASE9

56

87

FIND MEDICAL CARE QUICKLY

FIND MEDICAL CARE QUICKLYYou pay less for in-network careDoctors and hospitals on our provider list (in-network) have a special arrangement with Arkansas Blue Cross and Blue Shield. This means you get a discount and pay less for medical services they provide than you would if you visited an out-of-network provider.

How to find in-network care

Online Phone

Arkansas doctors and hospitals1. Visit arkbluecross.com/findcare2. Enter your member ID OR select

your network to start a search

Doctors and hospitals outside of ArkansasIf you have a suitcase on your member ID card, you can also find and receive certain levels of healthcare benefits when you live or travel across the country. To search for doctors and hospitals outside of Arkansas:

1. Visit provider.bcbs.com2. Choose the network based on the

suitcase on your member ID card

BlueCard PPO/EPO

BlueCard PPO Basic

BlueCard Traditional

Call 1-800-238-8379 between 8 a.m. and 5 p.m. CST, Monday through Friday, to speak with a caring professional who can help you find quality medical care nearby.

PPO

PPO B

MANAGE YOUR HEALTH WITH HELP

MANAGE YOUR HEALTH WITH HELPGet your free annual checkupsPreventive care helps you avoid disease and illness. Seeing a doctor when you’re healthy allows him or her to get to know you and watch for any health issues before they’re serious. Once you’ve found an in-network Primary Care Physician (PCP), schedule your FREE annual checkup right away.

Fight illness with actionIf you’re sick and need medical care, call your doctor right away to schedule an appointment. Finding any problems early on can help you make a full recovery faster. Someone who knows your health will treat you; plus it’s less expensive than going to the emergency room.

Know what an emergency looks likeSurprises happen. Go to the nearest hospital or ER for:

§ Suspected heart attack § Stroke § Poisoning § Serious burns § Severe shortness of breath § Choking § Broken bones § Anything that could cause long-term damage

Important: Covered services for life-threatening emergencies will be paid whether it’s in network or not, but routine or non-emergency services provided in the ER will not be covered.

MANAGE YOUR PLAN 24/7 ONLINE

YOU’RE READY TO LIVE FEARLESSwith Arkansas Blue Cross and Blue Shield

MANAGE YOUR PLAN 24/7 ONLINEIf you like to be hands-on and monitor your account, we have the place for you. My Blueprint is a secure, online self-service center where you can conveniently manage your policy. After you register, you’ll be able to:

§ View claim’s details and timeline to see when it’s processed § Rate your doctor § Estimate the cost of medical services § Monitor your deductible and healthcare spending § Order new ID cards § Review your personal health history § Enroll in identity protection § And much more

To registerYou’ll need your member ID number located on your member ID card.

1. Go to arkansasbluecross.com2. Select “Sign In” (top right of screen)3. Select “Member” and choose “Register” to get started

OR download and register through our mobile app, available on the App Store™ and

Google Play™ store

Don’t forget to write down your username and password and keep them somewhere safe!

Call us at 1-800-238-8379 if you have any questions.We’ll help you through it.

STAY ENGAGEDWe offer several ways for you to get information. Choose the methods that suit you best.

Talk to usBlueListens

Help us create a better Blue by sharing feedback about products, services and experiences. Join our community atarkbluecross.com/bluelistens.

Or get involved through social media:Arkansas Blue Cross and Blue Shield

@ArkBlueCross

ArkansasBlueCross

Sign up for mobile messaging Receive text alerts through Arkansas Blue Cross WireTM, a secure messaging platform that sends personalized notifications to your smartphone. Get connected by calling 855-939-5425 or enrolling through My Blueprint.

Reach out for resourcesYou may be eligible for resources that can help you manage existing conditions or identify issues. Take advantage of all the benefits your plan has to offer, which may include:

Case management

Work with a case manager to develop a healthcare strategy with your doctor

arkbluecross.com/ casemanagement1-800-238-8379

Nurse24SM

Speak with a registered nurse 24/7 to help you make informed healthcare choices

arkbluecross.com/ nurse241-800-318-2384

Health education & disease management plans

Speak with a registered nurse and re-ceive valuable information through the mail about chronic condition manage-ment, healthy pregnancy, and building a healthier lifestyle

arkbluecross.com/ healthed1-800-686-2609

ArkBlueWireTM

STAY CONNECTED TO YOUR PLAN