What's Covered

Your plan fully covers the cost of your benefits. That means you don’t pay anything for covered services. Some examples are:

• Your visit with your primary care team
• Preventive care
• Diagnostic medical tests in your doctor's office
• Chiropractic care
• Rehabilitation services
• Mental health and substance use disorder services
• Home health care
• Outpatient surgery
• Emergency care
• And more

Find more details in your Certificate of Insurance

What's not covered

Your plan does not cover everything. Your doctor's office can help find out what is or isn’t covered. Or, you can contact Member Services at 833-777-5779.

Your service is not covered if:

• If a doctor or clinic says you’re not covered
• If a service is out-of-network and you don’t have a referral (some services are exempt from this rule)
• Services that occurred before your plan started or after your plan ended
• If BCBSND denied approval or later appeal
• It is not listed in your Certificate of Insurance

Note: If you tell a doctor or clinic to continue care without coverage, you may have to pay. If you don’t get approval from BCBSND, you may also have to pay.