InstaCare — affordable, temporary coverage 

InstaCare is easy to use. Here’s how it works:

  • You pay for your medical expenses until you reach the deductible you’ve selected.
  • After that, InstaCare pays 80 percent of eligible expenses and you pay 20 percent. You pay until you reach your out-of-pocket maximum.
  • Then, InstaCare pays 100 percent of eligible expenses.

Here’s an example

Let’s say you’ve chosen a plan with a $500 deductible and a $1,500 out-of-pocket maximum. During the period of coverage, your medical costs (not related to a preexisting condition) are $5,000.

Note that, in this example, you’ve almost reached your out-of-pocket maximum of $1,500. No matter what other eligible costs you incur during the time you’re covered, you’ll pay no more than $100 (to reach your maximum).

Apply now

For coverage starting March 31 or before, get a quote and apply online.
For coverage starting April 1 or later, please contact your agent or Blue Cross sales.

Not sure if InstaCare is right for you? Use our Plan Selector for help choosing a plan.

Learn more