Welcome to your Premera Blue Cross health plan!

We’re glad you’re with us!

This digital guide will help you get familiar with the benefits and services of your health plan. You’ll find lots of great information to help you get the most out of your healthcare and your healthcare budget.

Get started

As soon as you have your Premera ID card, follow these easy steps to help you get started.

1
Keep your ID card handy.
It’s your proof of coverage to use at your doctor’s office or pharmacy.
2
Create an account at premera.com. Your one-stop resource to manage your health and your plan.
3
Get your benefit details. Sign in to your account at premera.com/signin and select My Premera Plan.
4
Activate Premera Pulse. Text BLUE to 24248.
Find care, manage medications, and get care reminders.

Meet Lin, Sean, and Vicki

These three Premera plan members are in different stages of life, but they all benefit from the programs and services their health plan offers.

Chances are you can relate to one of their stories. Click to find out more.

Lin

First time user  

Sean

Back Injury  

Vicki

Manages chronic condition

Lin

First-time user

Lin is a 24-year-old single woman. She is active, runs with her Dalmatian three times a week, and has finally decided to take a cross-country road trip.

She recently got health coverage through her new job and thinks it’s time she had a checkup. This will be the first time she uses her medical plan, and she is hoping for a simple and easy experience with minimal out-of-pocket costs.

See what Lin wants in a healthcare plan 

Lin wants a health plan that helps her:

  1. Save money with cost-effective options
  2. Save time with easy tools and resources
  3. Manage her plan on the go with easy mobile tools

See why her Premera health plan is great for Lin

Lin’s health plan provides cost-saving options and information she wants—how and when she wants it.

  • Access low-cost-of-care options like the 24-Hour NurseLine
  • Get care when she’s on the road with the BlueCard program
  • Access simple and easy self-service tools

Check out how Sean benefits from his Premera health plan

Sean

Back injury

Sean is a 41-year-old father of two boys. Being a weekend basketball nut, he has injured his back.

Sean is concerned about being out of commission for too long, so he finds an in-network provider to game plan a recovery. He needs to get healthy so he can get back to the life he enjoys, including coaching the boys’ pee wee football team this fall.

See what Sean wants in a healthcare plan 

Sean wants a health plan that gives him:

  1. Easy access to top quality physicians
  2. Access to Teladoc® to help with minor ailments
  3. Ways to keep track of his expenses, so he can save money

See why his Premera health plan is great for Sean

Sean’s health plan helps him easily understand his options and manage his care, so he can get back to the life he enjoys.

  • Peace of mind knowing his providers are the best for quality and outcomes
  • Use cost transparency tools for understanding the expense of specific care
  • Access a discounted fitness membership to stay healthy throughout the year

Check out how Vicki benefits from her Premera health plan

Vicki

Manages chronic condition

Vicki is a 57-year-old married empty nester. She loves having family and friends over for weekend BBQs, but suffers from type 2 diabetes.

Vicki found a provider by using her mobile app. The doctor has Vicki on just the right care regimen to control her diabetes. This includes taking diet into consideration and prescriptions for her condition, so controlling medication costs is important to Vicki.

See what Vicki wants in her health plan 

Vicki wants a health plan that gives her:

  1. A clear overview of her care with a mobile app
  2. Additional cost-saving solutions to help her manage costs
  3. Ways to get more care support with additional options

See why her Premera health plan is great for Vicki

With Vicki’s health plan, she has access to a top-rated network with a team of providers ready to help her with her chronic condition.

  • Access to Premera Pulse support that helps navigate complex health systems and focus on long-term health management skills
  • Access simple tools that give personalized support for managing billing
  • Use generic prescriptions options to save money

Check out why Lin is a Premera Customer 

Healthcare toolbox

Healthcare 101
How your plan works
Where to get care
Who pays Who pays Who pays
First, you must meet your deductible.

This is the amount you pay for covered healthcare services before your Premera plan starts to pay. The deductible varies by plan.

To locate your plan’s deductible, sign in to your Premera account.

After you’ve met your deductible, your plan starts paying some of your costs.

Coinsurance is the percentage of healthcare costs that you pay. You start paying coinsurance after the deductible has been met. This varies based on the type of service.

Then, your safety net, or out-of-pocket maximum kicks in.

The out-of-pocket maximum is the most you have to pay for covered services in a plan year. After you spend this amount on deductibles, coinsurance, and copays, your Premera plan pays 100% of the costs of covered benefits.

*Cost shares are the part of healthcare costs that you have to pay. Examples include your deductible, coinsurance, copays, and similar charges. If you have a qualified high deductible health plan, your prescription drug cost shares also count toward meeting your deductible.

You have access to nurses and doctors 24/7 that can help you decide where to go to get care or even diagnose you. Refer to this handy guide to help you decide where to go when you need care.

Need immediate or urgent care? Refer to this handy guide to help you decide where to go.

REASONS TO GO TO URGENT CARE

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Unable to get a same-day appointment with your doctor

Conditions that are not life-or-limb threatening, but require immediate care

Sprains and strains

Cold and flu symptoms

Urinary tract infections

Mild asthma

Rash without fever

Minor broken bones

vs
REASONS TO GO TO THE EMERGENCY ROOM

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Deep cuts that require stitches – especially on the face

Head or eye injuries

Severe flu symptoms

Sudden change in mental state

Fevers in infants

Fainting or loss of consciousness

Serious burns

Broken bones and dislocated joints

*This is not a comprehensive list. If you are experiencing a medical emergency, always go to the nearest emergency room or call 911.

Quick guide

Important contact information for you! Print this quick guide now (or bookmark the page) and be ready when you need resources.