Your Benefits in Action
One benefit of any health plan is to help protect you from high medical expenses. But that’s not all you can count on from Wellmark. We want to help you find the best doctor, make sure you know all the ways to keep costs manageable, and provide support to keep you healthy. By taking advantage of the tools and services we offer, you can really maximize your coverage. Let’s talk specifics.
Benefits of Choosing a Personal Doctor
Your personal doctor’s job is to help coordinate your medical and preventive health care. With the best knowledge of your medical history, he or she can take care of you with fewer office visits, helping to reduce your out-of-pocket costs. Our Find a Doctor or Hospital tool can help you find the right practitioners and providers for you and your family.
Know Where To Go
You can rest assured knowing you and your family are covered for emergency medical services, 24 hours a day — even away from home. But sometimes you just have a health related question. Members can alwyas call BeWell 24/7SM for answers.Health Care Options
Your Explanation of Benefits (EOB)
After a visit to your provider, you’ll get an EOB by mail or email. This is not a bill. It’s a simple recap of how much your provider charged, how much your health insurance company paid for each service, and how much you’re responsible for paying out of pocket. It will also explain why some care and services were not covered.How to read an EOB
When to File Claims
You only need to file a claim if a provider is out-of-network. In-network providers submit your claims for you. Think of it as another good reason to choose a network provider.How to File a Claim
Certain services may need approval before you can get them. A pre-service review can help you avoid unexpected bills and ensure the quality of your care.
Carry Your ID Card
Your ID card has the name of the policy holder, your plan and personal identification numbers. At a glance, you’ll also have the numbers to reach our customer service, precertification and BeWell 24/7SM.
You can access your ID card through the Wellmark mobile app in addition to getting a printed card.Order ID Cards
Get Care Anywhere Through BlueCard®
Depending on your plan, BlueCard enables Wellmark members to access health care and emergency services in other Blue Cross and Blue Shield Plan areas across the country and around the globe. In fact, if you travel abroad, you can count on the BlueCard network of more than 9,000 hospitals and 21,000 health care professionals and outpatient care centers around the world.
To take advantage of the BlueCard Program:
- Always carry your Wellmark Blue Cross and Blue Shield member ID card.
- In an emergency, go directly to the hospital.
- Call 800-810-BLUE (2583) or use the Doctor and Hospital FinderExternal Site to find BlueCard doctors and hospitals outside of your Blue Plan area.
Help to Stay Healthy
Supporting and improving your health is important to us. That’s why we offer programs and services to help you:
- Stay healthy during pregnancy and beyond
- Manage chronic long-term conditions like asthma or diabetes
- Deal with complex health situations, illnesses and injuries
You can also talk to a nurse, day or night, any day of the week with our BeWell 24/7SM line. If you need advanced help, for example, during a high-risk pregnancy, you can rely on personalized nursing care and advice from expert obstetrical nurses. Or if a family member has a major injury, a case manager will work closely with your care team to review treatment options and develop personalized care plans. It’s what we do to help you feel your very best.