- 1). Visit the main website for the Blue Cross Blue Shield companies, www.bcbs.com. Roll the cursor over the "Healthcare Coverage" tab on the upper menu bar. Roll the pointer down to the "Find services" selection, and then click the "Find your local BCBS company" option to open the plan finder page.
- 2). Click on your state or international region to open the local affiliate's home page. Click an option to view the available Blue Cross Blue Shield plans, products or services sold through this company. The selection may be listed under a "Visitors" category, or it may say "Plans and Benefits." Click the "Contact," or "Contact Us" button on the home page for phone numbers of agents or customer service representatives. Call to inquire about the plans available for the coverage you desire.
- 3). Consider the options for medical insurance and the costs. Note the deductibles, maximum amounts for yearly out-of-pocket expenses and benefits that apply before and after the deductible has been satisfied to calculate the cost of using a health insurance policy to help pay for health care.
- 4). Apply for a Blue Cross Blue Shield health plan online or over the phone. An agent will fill out an application over the phone by asking you a series of questions for identification and health status assessment. Some agencies have application forms available online that direct your through a series of forms to fill in. The quoted cost for insurance is based on the information submitted and is subject to change.
- 5). Accept, decline or choose to revise the health plan offered at the premium calculated. An agent can help adjust the coverage to meet your needs and your budget in many cases.
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