Use these steps and make the most of your health care coverage.
Log in to your secure member account and learn how it works.
Stay informed and use these tools for cost-effective options.
Wherever you are, get the care that
works for you.
Here are some details to know about your health plan. Remember, when you visit a doctor outside of your plan’s network, you may pay more or all of your bill.
You’ll need to select a PCP for your care. This is the one doctor who arranges your care and refers you to specialists. Find an in-network doctor.
Some services may require prior authorization (pre-approval).1 Ask your doctor about this so you’re sure who handles this step. Get details on prior authorization.
It's best to visit health care providers in your plan’s network. If you don’t, you’ll pay for most of or the full cost of your care. Review cost examples.
Some screenings, like your Annual Exam, are included with your health plan at no additional cost. Schedule your annual exam.
You don’t need to select a primary care provider for your care, but it’s recommended. Your primary care provider can coordinate your care and refer you to specialists. Find an in-network doctor.
You don’t need referrals to meet with specialists, but you may need prior authorization (pre-approval).1 Always talk with your doctor about your care. Get details on prior authorization.
You can visit any health care provider in your plan’s network. But, if you get care from an out-of-network doctor, you may spend more. Review cost examples.
Check your Plan Benefit Book for screenings and services you can get at no additional cost to you, like your Annual Exam. Schedule your annual exam.
You may need a PCP for your care. This is the main doctor who arranges your care and refers you to specialists. Find an in-network doctor.
Some services may require prior authorization (pre-approval).1 Ask your doctor about this so you’re sure who handles this step. Get details on prior authorization.
You can go to the health care provider of your choice, but you may pay for most of or the full cost of your care if you go out of network. Review cost examples.
Some screenings, like your Annual Exam, are included with your health plan at no additional cost. Schedule your annual exam.
Your primary care provider (PCP) should be your first call when you don't feel well. But, based on your symptoms, you have options for where to get care.
Your doctor can help when you need regular checkups or minor sickness.
Examples: Fever, colds and flu
The 24/7 Nurseline is a toll-free number to call for general health-related questions and advice on care options.2
Examples: Headaches, dizziness or what to do if your child is sick
Virtual visits connect you with a doctor for live, non-emergency medical or behavioral health help by phone, online video or mobile app.3
Examples: Allergies, depression or pink eye
If your doctor isn't available and you want to get walk-in, non-emergency care for common symptoms, you can visit a retail clinic.4
Examples: Minor injuries, pain or sore throat
When you visit an urgent care, you can get quick medical attention when your life or health isn't at risk.
Examples: Cuts that need stitches, sprains or animal bites
Emergency rooms should be visited for emergency care if your life or health is at risk.
Examples: Heart attack, heavy bleeding or broken bones
Know how to find problems early, set goals and track your progress.
Keep your health information up-to-date each year with screens for:
Some screenings, like your annual exam, may be offered at no cost to you if you stay in-network.
Other preventive services that may have no out-of-pocket costs are:
Remember, its important to talk with your doctor about your lifestyle and any life changes.
Your behavioral health is just as important as your physical health. Know where to turn when you need care.
There are many kinds of mental health experts you can get help from.
Check to see if your drug is on the 2025 Drug Lists. Review drug lists.
Understand how to use your prescription and pharmacy benefits as an individual and family plan holder. Learn more about your Rx coverage.
Generally, you’ll pay less if you go to an in-network pharmacy. Find an in-network pharmacy.
Visit a Preferred Pharmacy Network (PPN) for your lowest costs. Learn more about PPNs and how to find them.
Talk with your doctor or pharmacist and learn if you could save by using a generic drug option instead. Know the difference between generic versus brand name drugs.
Learn more about prior authorization or step therapy programs.
Review your prescription plan materials. Check out other pharmacy benefit information.
1 Prior Authorization not required in certain circumstances, such as emergency or urgent situations.
2 The 24/7 Nurseline may not be available with all plans. Check your benefits booklet for details.
3 Internet/Wi-Fi connection is needed for computer access. Data charges may apply. Check your cellular data or internet service provider’s plan for details. Non-emergency medical service in Idaho, Montana and New Mexico is limited to interactive audio/video (video only), along with the ability to prescribe. Non-emergency medical service in Arkansas is limited to interactive audio/video (video only) for initial consultation, along with the ability to prescribe. Behavioral Health service is limited to interactive audio/video (video only), along with the ability to prescribe in all states. Service availability depends on location at the time of consultation.
4 Visiting a Retail Clinic may not be covered with all plans. Check your benefits booklet for details.
5 The Well onTarget program is offered to you as a part of your employer-sponsored benefits. Participation in the Well onTarget program, including the completion of a Health Assessment, is voluntary and you are not required to participate. Visit Well onTarget for complete details and terms and conditions. Coaching programs are only available to individuals whose employers have purchased the program. Check with your administrator to see if the Coaching programs are available to you. Program rules are subject to change without prior notice. See the Program rules on the Well onTarget Member Wellness Portal for more information.
The Well onTarget member rewards redemption service is provided by an independent third party. Onlife Health is an independent company that provides wellness services for the Well onTarget program. Members can use their Blue Access for Members credentials to access wellontarget.com. Blue Cross and Blue Shield of Illinois makes no endorsement, representations or warranties regarding third-party vendors and the products and services offered by them.