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Take Advantage of Health Advocate Solutions
Navigating insurance can be complicated. While HR is here to help, some questions are can be easily answered by benefits professionals. Blue Cross Blue Shield’s Health Advocate Solutions (HAS) program can provide quick answers to questions regarding prior authorizations, claims status, and benefit verification. The HAS customer service team is a great first point of contact for basic benefits questions. If you run into roadblocks, let HR know and we can help find an answer.
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Call toll-free 24 hours a day, 7 days a week – 877-245-5681 or
- Use MyEvive to see all your health benefits:
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Visit myhealth.myevivsdfe.com or download the MyEvive
- Enter “IPBC” as “Employer”
- Complete personal information
Wellness Guidelines: An Easy Path to Better Health
We all want to get and stay healthy, but it can be hard to find reliable wellness advice for your specific needs. Blue Cross Blue Shield has wellness guidelines that can help you make a plan for yourself and everyone in your family.
Insurance Basics: Copay vs. Coinsurance
Before visiting your network health care provider, check to see if you will have a copay. Get tips on how to find a provider and find out your copay costs.
You might be asking: what’s a copay and how is it different than coinsurance? A copay is a fixed price you usually pay when you get care (e.g., a visit to urgent care versus a visit to the emergency room) and can change depending on where you go and what type of insurance plan you have. If you pay more than your copay, it is likely because you still owe a deductible or coinsurance amount.
Coinsurance is a percentage of the costs of a covered health care service. Coinsurance is the cost of a service that you pay. After you’ve paid your deductible, your health insurance plan pays the rest. The City’s Benefit Summary is a great resource for copay and coinsurance amounts.
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