### Questions about your current benefits?

- [Log in or create your account](https://identity.bluecrossmn.com/u/login?state=hKFo2SBDdXFuRmhONUNuU3lwbFp1aHBsZG9lajJZN0VaeEtEUKFur3VuaXZlcnNhbC1sb2dpbqN0aWTZIGg5V01mNFZaR1dxSVhZOTd6VHhnaEpBdUh2LWJvSGVxo2NpZNkgcDZ2elJyNHBQRUFvWkM4d0NVQWNMU3VNSHU2OEJKMm4)
- [Frequently asked questions](/member-resources/member-faqs "Member FAQs")
- Call the number on the back of your member ID card



 

 

 



### Questions about new coverage options?

- Contact your human resources or benefits team
- Watch for information from your employer about open enrollment



 

 

 



### Are you an employer looking for a group plan?

 

[Visit the Employers page](/employers)

 

 



 

 



 

 

 

## Choose the right health plan

 ### Is your plan self-insured or fully insured?

When you're learning about your health plan benefits, it may help to know whether it's fully or self-insured. Coverage, programs and services available can vary depending on the plan.

- **Fully insured**: For fully insured plans, the insurance company pays for the member's healthcare claims and sets the plan benefits. Small employer plans (2-50 employees) are generally fully insured, and some large employer plans (over 50 employees) are fully insured.
- **Self-insured**: Many employers are self-insured and set their own benefits, which are then administered by Blue Cross. Some large employer plans (over 50 employees) are self-insured.



 

 

 

  





 

 

 How to choose the right health plan: Be informed when shopping for health plans to make sure you're getting the right plan to meet your needs.