How can Blue help you? By providing you with simple, comprehensive and affordable health care solutions that meet your needs. At Blue, we understand that you want to spend your health care dollars efficiently and effectively, and we recognize that you want maximum control over the way you use your benefits. That's why we designed BlueSelect.

BlueSelect offers a wide range of insurance plans with lower premiums (up to 20% less) than similar plan designs, plus added cost savings if you use our community-based, local network for certain medical services. Depending upon your plan, benefits start from the first dollar you spend on routine health care and adult/child wellness, and includes lab services, hospital charges and all covered physician services when a hospital stay is required. BlueSelect also covers outpatient therapies, maternity services and prescription drugs without network restrictions.

There are certain ancillary services (DME and Supplies, Mental Health, Lab, Home Health Care) that require using an Exclusive Provider in order to receive In Network coverage. If an Exclusive Provider is not used, there will be no coverage for those services. Also, for prescription drugs, in order to receive in-network coverage you must go to a BlueSelect Retail or Specialty Pharmacy. This program provides coverage at both participating and non-participating pharmacies, but you'll pay less out of your pocket if you choose a participating pharmacy.

Special Note:
Prior authorizations are required for certain prescription specialty drugs and for Advanced Imaging services.

In addition to comprehensive BlueSelect benefits, you'll have access to valuable wellness programs, decision support programs and other tools designed to keep you healthy and informed – at no extra cost. Members can also take advantage of discounts for things like hearing aids and fitness clubs through our Blue Complements program. Choose from a variety of plan options, including predictable cost plans, low cost plans and limited benefit plans with different deductibles, copayments and coinsurance levels.