BCBS Members: Managing Health Care Costs

Three Ways You Can Save:

Every time you use your health care coverage, it’s important to think about how to save money on the services you need. Here are some tips that can help you to keep your health care costs under control.

Choose In-Network Providers
You save money when you use in-network providers because your out-of-pocket costs are lower. Certain services, like preventive care, are covered only when you get them from network providers. In-network providers also submit your claims, get any necessary approvals needed for your care, and refer you to other in-network providers. To find an in-network provider:

  • Call My Care Navigator at 1-888-258-3428, Monday to Friday, 8 a.m. to 8 p.m. EST for help finding a new doctor, scheduling priority appointments and transferring medical records.
  • Click Find a Doctor on your member website, www.mybenefitshome.com, to search for in-network doctors, hospitals and pharmacies near you.

Save the ER for Emergencies
When you want quicker non-emergency care than you can get from your doctor, consider going to a network urgent care center. An urgent care center is a freestanding, full-service, walk-in health care clinic that offers extended hours, service seven days a week, and testing, such as x-rays and blood tests – all without an appointment. You pay less for the same care that you would get in an emergency room.

Go to an urgent care center for minor accidents like sprains or common medical problems like the flu and infections. Go to an emergency room for more serious, life-threatening situations such as chest pain, difficulty breathing and major injuries. To locate a network urgent care center:

  • Click Find a Doctor on your member website, www.mybenefitshome.com.
  • Call Member Service at the number on the back of your ID card.

Use Generic Drugs
Lower your out-of-pocket costs by choosing generic instead of brand name drugs. Generic drugs contain the same active ingredients in the same strength, safety, quality and dosage as brand name drugs — at 30 to 80 percent less cost. Ask your doctor for generic drugs when possible. Remember: Prescription drugs are only covered at network pharmacies. At out-of-network pharmacies, you will pay out of your own pocket.


Blue Cross Blue Shield of Arizona is an independent licensee of the Blue Cross and Blue Shield Association. Blue Cross, Blue Shield, and the Cross and Shield symbols are registered service marks of the Blue Cross and Blue Shield Association.