Looking for a health plan that provides coverage for serious illnesses and accidents plus benefits for preventive care, prescription drugs and optional maternity care? Blue DirectSM from Anthem Blue Cross and Blue Shield (Anthem BCBS) is designed especially for you and your family if you are:
| A recent graduate|
| Between jobs|
| Waiting for health coverage through your employer to begin|
| Not offered a health plan or retirement plan through your employer|
| Unemployed or self-employed and not eligible for group coverage|
| Looking to replace your current individual health plan|
Whatever your unique situation is, Blue DirectSM is the health plan for you and your family.
Advantages of Blue DirectSM
Vast provider network
Blue DirectSM gives you the freedom to choose any doctor for your health care needs. As a member of Blue DirectSM, you'll have access to Anthem BCBS preferred providers, which include more than 95 percent of health care providers and short-term general hospitals in New Hampshire.
Preferred providers also include physicians, hospitals and other health care providers and facilities outside the service area that have a preferred payment agreement with your local Blue Cross and Blue Shield plan. As a result, members have access to preferred providers nationwide.
Preventive Care Services
Immunizations, lead screenings, prostate screenings, mammograms and Pap smears are all covered in full up to the maximum allowable benefit.
Prescription drug benefit
Your prescription drug benefit provides coverage for generic prescription medications. If your doctor chooses or you prefer a brand name drug or if a generic equivalent is not available, your Anthem BCBS ID card will enable you to purchase the brand name drug at Anthem BCBS's negotiated rate, which is often less than the retail cost.
You'll also have access to our convenient mail order service, which allows you to have your maintenance medications delivered right to your door.
Automatic claims filing and cost savings
When you use a participating provider, your claims are filed automatically by that provider. Your out-of-pocket costs are less, too.
You'll enjoy the security of knowing that your health plan is backed by the reliability and experience of Anthem Blue Cross and Blue Shield, which has more than 50 years of health care coverage experience. Moreover, the Cross and Shield are recognized and respected symbols across the country and around the world.
Coverage when you travel
If you need urgent or emergency care while you're away from home, BlueCard® puts you in touch with preferred Blue Cross and Blue Shield providers anywhere in the United States. You'll have the peace of mind of knowing that more than 85% of all hospitals and physicians across the United States participate in the BlueCard® program and BlueCard® Worldwide gives you access to an international network of participating hospitals. When you use BlueCard® preferred providers, you won't have to worry about balance billing either. BlueCard® providers will accept our maximum allowable benefit as payment in full.
We believe that pursuing a healthy lifestyle should be inspiring and fun. SpecialOffers@AnthemSM offers a variety of options for improving your physical and psychological well-being. With discounts on everything from fitness clubs and martial arts courses, to massage, first aid classes and eye wear, you're sure to find a way to improve your health and well being and save money too! We also offer a fitness reimbursement program as well as reimbursement for smoking cessation aids.
Blue DirectSM is a medically underwritten plan consisting of four rating levels. Your rating will be determined by our review of your health history and application. We may decline to accept applicants who do not meet our medical criteria. In this case, applicants will be informed of their options for finding other individual coverage.
For more information on Blue DirectSM, or to apply, contact your insurance broker. If you do not have an insurance broker, contact our sales department at 1-800-382-4832.