Frequently asked questions about your health plan

Find answers to common questions from members like you.

Note: Each health plan is different. Some information on this page might not be true for your health plan.

 

Benefits, health programs, prescription drugs & member ID card

What does my health plan cover?

To see what your health plan covers, refer to your Summary Plan Description or Contract. Can’t find it? Call the customer service number on the back of your member ID card for details about your plan.

Is my prescription covered?

Visit our prescription drugs section to see a list of drugs we cover (also called a formulary). You can also find more information about prescription drugs.

Does my plan have stop-smoking help, a fitness club discount or other health programs?

Sign in or create an account to see which discounts and health programs come with your plan. You can also call the customer service number on the back of your member ID card.

If your plan has the Fitness Discounts program, you’ll see this symbol on your member ID card: Fitness Discounts symbol

How do I find a gym or fitness center?

Find a gym or fitness center that participates in our Fitness Discounts program.

If your plan has the Fitness Discount program, you’ll see this symbol on your member ID card: Fitness Discounts symbol

Claims and forms

How can I see my claims?

You can see a record of your doctor visits and services (sometimes called a "claim") when you sign in to myBlueCross or create an account.

How do I submit a claim?

Use this medical claim form (PDF) or prescription drug claim form (PDF) ExternalLink to submit a claim for reimbursement from your health plan. Mail it to the address listed on the form.

Note: You don’t have to submit a claim if you visited a doctor, clinic or hospital in your health plan’s network. They will submit the claim for you.

Where do I find forms?

Find doctors, clinics & hospitals

How do I find a doctor?

If you know the name of your network, you can search for a doctor, clinic or hospital here.

You can find a doctor from your phone anywhere with the Blue Cross MN app. ExternalLink

Not sure what network you have? Sign in to myBlueCross or create an account to find out.

You can also get the name of your network by calling the customer service number on the back of your member ID card.

How do I find a pharmacy?

Find a pharmacy ExternalLink that's in your network to get the most benefits from your health plan. Look for "RxNetwork" on your member ID card for your pharmacy network.

myBlueCross member site

What is myBlueCross?

It’s a website where people who have a Blue Cross health plan can see claims, find a doctor in their network and find other information. Create an account now.

I need help creating an account for myBlueCross. How can I find help?

Get step-by-step instructions for creating a myBlueCross account.

Still need help? Call the customer service number on the back of your member ID card.

Pay, renew or cancel

Can I pay my premium online?

We do not currently accept payments online. You can set up an automatic payment for your plan by sending us this automatic monthly payment form (PDF). Or, we can mail your bill and you can pay by check.

How do I cancel my health plan?

You must cancel your coverage in writing. Be sure to check your plan’s cancellation policy first. Call the number on the back of your member ID card if you have questions.

If you have a health plan through your employer, contact your human resources department.

How do I renew my plan?

If you have a health plan through your employer, your plan probably renews automatically each year. You may be able to change your health plan during an open enrollment period. Contact your employer for details.

If you buy your own health plan, your plan will renew automatically. We will contact you each year before your plan renews with details. You can also call the number on the back of your member ID card for more information.

How do I renew my InstaCare short-term plan?

Your InstaCare health plan does not renew automatically. You must submit a new application. Minnesota state law allows you to have 365 days of short-term coverage in any 555-day period.