Getting to know BlueSaver (2022)

BlueSaver is a high-deductible plan. It works best with a health savings account. Here are some other helpful tips about the best ways to use your BlueSaver plan.

BlueSaver plan = Preferred Care PPO network
ID card


- Your name will appear here.



- Used to identify you so your provider knows how to bill your health plan.



- This is where you will find Plan Description and ID Numbers relating to your Pharmacy Coverage.



- What type of network your plan has and which providers you can see who are "in-network."


Health Savings Account

To maximize your BlueSaver high-deductible health plan, be sure to open a Health Savings Account (HSA) to set aside money to pay for qualified health expenses. We recommend a MySmart$aver HSA from HealthEquity, Inc*., an independent company that administers HSAs to Blue Cross members enrolled in Blue Saver.

Your HSA rolls over from year to year so any money you don't use can be used the next year. Use your HSA to pay for doctor visits, prescription drugs and certain health-related items. Learn more about qualified medical expenses in this HealthEquity database.

*HealthEquity, Inc. is an IRS authorized non-bank custodian of HSAs, and the preferred HSA custodian for eligible Blue Cross members enrolled in our high deductible health plans. Members who qualify may open an HSA with any HSA trustee or custodian. Health Savings Accounts (HSA) have tax and legal ramifications. Blue Cross and Blue Shield of Louisiana does not provide legal or tax advice, and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on, for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials. You should seek advice based on your particular circumstances from an independent tax advisor regarding the tax consequences of specific health insurance plans or products. See IRS Publication 969 for more about HSAs.

This is an icon of an ambulance Body Scans Dental Nursing Optometrist Drugs Transplant

Essential Health Benefits

Your plan covers a variety of benefits to keep you healthy. They include:
Ambulatory (outpatient) services Emergency care services Hospital benefits Maternity and newborn care Pharmacy and prescription drugs Contraceptive coverage Coverage for clinical trials Rehabilitative and habilitative services Laboratory services Preventive and wellness services and chronic disease management Vision and dental benefits for your children Mental health and substance use disorder services


Certain limitations and exclusions apply to Essential Health Benefits

Schedule of Benefits

Your Schedule of Benefits (SOB) includes information about what services are covered, what's not covered and how much it will cost.
Example of Schedule of Benefits document


providers have agreed to accept a contracted (discounted) rate for your care. You'll save money by visiting a doctor or hospital in your network.


providers can charge more, which means you'll pay more when you visit an out-of-network doctor or hospital.


Shows a breakdown of what you can expect to pay for specific services if you choose to visit a doctor that is in your network versus one that is outside your network.

Prescription Drug Coverage

You can manage your prescription drug coverage by logging in at and choosing "Pharmacy" on the dark blue bar near the top of the page. Once you log in, you can:
See your drug claims Price a drug See your drug benefits Learn about your medicine Find a pharmacy File a drug claim
You can also view covered drug lists, search for drugs and find out how to save on drugs at


Stay in Your Network

Control costs by staying in your network. Your plan includes both in-network and out-of-network coverage, but you will pay more when you visit an out-of-network doctor or hospital.

Be proactive about staying in your network by visiting to find a doctor or hospital in your network.

BlueSaver plan = Preferred Care PPO network

Get Care in the Right Place

Save time and money by getting the right care in the right place. Don't go to the emergency room for a cold.

Primary Care Blue Care Telehealth Urgent Care Emergency Care


Your Online Account

Activate your Blue Cross online account quickly and easily. Once you're registered, you can manage your account, choose to go paperless, review your benefits, see your claims status, view your digital ID card, and more - 24 hours a day, seven days a week.
Image of laptop

BlueCare Telehealth: Get Care from Anywhere!

Medical and behavioral health visits available.

Have a BlueCare online medical visit 24/7 or behavioral health visit by appointment using a computer, smartphone, tablet or any device with internet and a camera. Before every visit, you will see what it will cost based on your plan type and benefits. You will not be charged until the visit is complete. All providers are U.S. trained and board certified.

BlueCare is


for medical visits
BlueCare is


than going to urgent care
BlueCare costs


than the ER

Visit or download the BlueCare (one word) mobile app on your Apple or Android device.
BlueCare logo
Download on the Apple StoreGet it on Google Play  

Explanation of Benefits

After each visit to a doctor or hospital, we will send you an Explanation of Benefits (EOB). It is a summary of the charges for the care or services you received. It shows what we cover and what the provider charged or what the service cost. It is not a bill. You may choose to go paperless and get your EOBs online by logging in at and choosing "Account Preferences."
Image of example Explanation of Benefits


What the doctor, clinic or hospital charged for care.


This is your discount on care costs or what your plan paid for care.


This is what you must pay for care before your health coverage begins to pay for the parts of your care that are not covered by your plan.


This is the part of your claims you may have to pay out of pocket.

What Should You Do After Enrollment?

Congratulations! You've got health insurance. But now what do you do? Don't worry, we've got answers!

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