Blue Cross Blue Shield Minnesota

Blue Cross Blue Shield Minnesota is not only the state’s largest non-profit health care plan, but it is also the oldest. Founded in 1933, this organization has been working side by side with both Prevention Minnesota and the Blue Cross Foundation to come up with useful and sensible health care solutions for years. It is currently considered to be the most trusted and widely used health care plan of its type in the entire state. However, even with Blue Cross Blue Shield Minnesota, deciding on whether or not an exact plan really fits your needs can present something of a challenge. Consider the following points when making your decision to ensure the best fit possible when it comes to health care coverage.

What special services are important to you?

Not all Blue Cross Blue Shield Minnesota health care plans are created equal, so it’s important to make sure that the plan you’re considering really does cover the services that are most important to you before you sign on the dotted line. For example, if you’re planning to start a family, then you’ll definitely want to make sure maternity and delivery services are covered under the plan you choose. Preventative care is also a high priority for many consumers, but it’s important to note that not all plans cover that either.

Do you have an existing medical condition or take medications?

A high number of health care plans don’t actually cover preexisting medical conditions or else they do not cover them until you’ve been a Blue Cross Blue Shield Minnesota member for a specified length of time. Some plans also do not cover certain prescription drugs. These are important factors to consider for many people, so be sure to thoroughly research what’s covered and what’s not before you make your final decision.

Does your coverage need to be long-term or short-term?

Many people who are looking to change jobs or who are currently in between employment situations may only want to be covered until a longer-term option becomes available through a job. In cases like those, short-term coverage plans are ideal. However, if you already have long-term employment where insurance options are not offered or you are self-employed, then longer-term health insurance coverage would be a better fit for you. It is, however, very important to note that short-term Blue Cross Blue Shield Minnesota plans do not cover preexisting medical conditions.

Are you a frequent traveler?

Many people in the market for a new healthcare plan forget to determine whether or not their plan still covers them when they’re traveling. Some plans cover you where you live, but cease to be effective if you travel outside of a particular designated area. If you are a frequent traveler either for business or pleasure, then consider a Blue Cross plan that includes usage of special network options like BlueCard Worldwide and BlueCard. Then you’ll be sure to be able to count on your coverage no matter where life may take you.