October 22, 2013
Open enrollment is here. We understand that with health care reform, you may have more choices than ever before. However, selecting a health insurance plan does not have to be hard. Part of making the best choice for you is knowing what questions to ask.
Here are some good questions to keep in mind when exploring your options:
Is my current doctor or hospital part of the health insurance company's network of providers?
Remember that a health insurance plan covers more of the costs of medical services if you go to a doctor or hospital within the plan's Participating Provider Option (PPO) or Health Maintenance Organization (HMO) network.
When you're shopping for insurance, look closely at the plan network. Check to see if you will be able to get as many services within the network as possible, and that you'll have options if you decide to go outside the network.
Blue Cross and Blue Shield of New Mexico (BCBSNM) provides access to one of the largest contracting networks of doctors and hospitals, which can help you save money. Use our online Provider Finder® to see if your doctor is in the network, or find a new one.
Will my prescription drugs be covered?
If you're taking any prescription drugs, be sure to check to see if these drugs are covered. Your out-of-pocket costs can add up if your drugs aren't covered.
With BCBSNM you can:
What is the health insurance company's reputation?
A company's reputation can tell you a lot about the level of service you might receive. Here are some things to ask or look for in an insurance company:
BCBSNM is one of the most respected companies for compliance, diversity and community outreach in the state. We provide quality customer service, not only by phone but also through the web, Facebook and Twitter, to make it easy for you to get your questions answered.
At BCBSNM, we understand that choosing the right health insurance plan for you and your family is an important decision. That's why we're here to help you through each step. All our plans follow the Affordable Care Act guidelines and offer the same set of essential health benefits, quality and amount of care.
Ready to shop? Start with our Quick Start Shopping Guide. There you'll find even more information to help you select the best health insurance plan for you and your family.
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