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1 Be a Health-Smart Consumer How to choose and use health tools on bcbst.com

2 Now you can shop for your medical care and check quality, safety and cost. You can do all this and more with your Well+Wise SM health tools and resources from BlueCross BlueShield of Tennessee. Your Well+Wise choices include a variety of programs, tools, health information and resources that help you make positive steps toward better health, and more informed choices about health care quality and spending. How to get started? Just go to bcbst.com. Use your health tools. Learn about the programs. Register for BlueAccess. And start enjoying all the healthsmart advantages of your BlueCross BlueShield of Tennessee health plan! Find a doctor or network provider...2 Check coverage details...3 Take a personal health analysis...4 Create an online health center...4 Get discounts on fitness and more...5 Start a walking program...5 Compare drug costs and options...6 Estimate surgery and dental costs...7 Research treatment options...7 Compare hospital quality...8 Compare hospital costs...8 Compare health plan costs...9 Get answers to your questions...9

3 + You may think you re a smart consumer. But are you a health-smart consumer? If you re like most people, you consider cost, quality and value every time you make a large purchase. In fact, you re considered a smart consumer if you do your research and make comparisons before you buy. Now it s the same with health care. Surgeries, hospital stays, prescription drugs and high-tech medical services are some of the most expensive purchases you ll make. So it makes sense to check and compare before you make decisions that affect your health and your wallet. Use all your health tools on bcbst.com To be a health-smart consumer, it s important to be informed and involved in your overall health, and the medical care you buy and receive. BlueCross BlueShield of Tennessee can help with easy-to-use online health tools so you can: See the real price tags for surgeries, tests and drugs Do side-by-side comparisons for cost vs. quality results Size up the state of your own personal health Create an online health center all your own Join walking programs, weight loss groups and gyms Save money and get smart about your health and spending Just go to bcbst.com and click on Health Tools. Make smart choices with Well+Wise support Being a smart health care consumer can help you improve your health, manage your costs, and make more correct and confident decisions about the care you receive. Your Well+Wise health tools and programs help put you in charge of the decisions. It s easy to get started here s how! 1

4 Find information fast Need to see a doctor? Whether it s for a check-up or for specialty care, use the Find A Doctor tool to find a provider that s: In your network so you can save money Conveniently located nearby if you re at home, easy to find if you re traveling or live out of state Right for you with the training, licensing and certification you need Find A Doctor 1. Make sure you know and select your specific network (check for the P, C, S or K on the front of your member ID card). 2. Use Advanced Search to narrow down your choices. 3. In listings, click on Details you ll even find a map and driving directions. 4. If outside Tennessee, follow the prompts to the BlueCard doctor and hospital finder. 2

5 Find information fast Want to check your coverage? Use BlueAccess in an instant to find out everything you need to know about your specific health plan, including: Your plan details what s covered, your deductible and copay amounts Recent claims what s been filed and paid on your behalf Your Explanation of Benefits forms online and easy to find Even more secure health tools and personalized services The BlueAccess home page is your portal to detailed benefit information and more! BlueAccess 1. It s easy. First time, you ll only need your member ID card to register. 2. It saves time. Use BlueAccess instead of waiting for office hours. 3. Check back anytime. Especially when phone calls aren t convenient. Did you know? You don t have to scramble to find plan books, directories or EOBs. It s all online in your BlueAccess. See what s covered Also access through Claims & Coverage Lookup on the Health Tools page. See what s been filed See what s been paid 3

6 Get involved in your health How healthy are you? Take a simple health quiz and find out! Use the Personal Health Analysis in BlueAccess to: See what lifestyle and behavior habits may be affecting your health Get an instant feedback report on how your health habits score Find ways to reduce or avoid your risk for certain health problems Start a personal and easy-to-follow plan for better health Personal Health Manager 1. Check your messages and reminders frequently. 2. Between checkups, use the clinical tools as a digital notebook to track and store routine readings and measurements for your doctor. 3. Use wellness tools to show your progress track pounds lost, miles run, hours slept, or fewer cigarettes smoked. Check out all you can do from the Personal Health Manager home page in BlueAccess Need help getting started? Create your own online health center with the Personal Health Manager in BlueAccess, and use it to: Collect and keep important health information in one place Read reminders and messages about health conditions that matter to you Set goals, create journals, and chart your progress toward better health Did you know? Your health is your responsibility. Your health tools help put you in charge, and support your decisions for better health. 4

7 Get involved in your health Want discounts on fitness and weight loss programs? Get that and more with your BluePerks, worth up to 50% off on: Fitness facilities and gym memberships Jenny Craig weight loss programs LASIK eye surgery and vision care Nutritional services, spas and more BluePerks 1. Learn more about your BluePerks discounts at bcbst.com/learn/ blueperks. 2. Choose the type of discounts or health service closest to your need. 3. Then use the locator tools to find a BluePerks practitioner or facility near you. 4. Always show your BlueCross BlueShield of Tennessee member ID card to get your BluePerks discount. Want an easy way to exercise? Follow the WalkingWorks program routine, that will help you: Get started on a daily or weekly walking routine Create a walking log, set goals, and track your progress WalkingWorks 1. Learn all about WalkingWorks at bcbst.com/learn/ walkingworks. 2. Use BlueAccess to set up your personal walking log. 3. Check the events calendar to participate in upcoming walking events. 5

8 Shop for quality and value Want to pay less for your prescriptions? Use the Drug Calculator tool at bcbst.com and the Prescription Drug Pricing guide in BlueAccess to find: Real price tags and options for the drugs you take Lists of drugs that are equals just packaged or branded differently Brand drugs that offer money-saving generic versions Lists of drugs that treat the same symptoms but with different ingredients Drug Calculator 1. Type in either the generic or brand name of the medication you take and click Search. 2. If you have tiered copays, check which drugs are in each tier level. 3. Click the $ to see true price tags and generic savings comparisons. 4. Click the? for drug details and how-touse instructions. Type in drug name See list of equivalent drugs Compare cost of equivalent drugs and generics 6

9 Shop for quality and value Facing a surgery, medical or dental treatment? The Treatment Cost Estimator and Dental Cost Estimator in BlueAccess show you estimates in advance, so you can: See real price tags and options for medical or dental treatments you re considering Compare costs for different treatments, if your doctor gives you choices Plan and budget for your health care expenses Cost Estimator 1. Choose your geographic area or network first, so information is local to you. 2. Select the medical category or procedure closest to your needs. 3. Then use each report type to dig into the details. Did you know? Thinking like a smart consumer can help you protect your health and your finances. Considering a certain medical treatment? Check the Treatment Options tool in BlueAccess for details to help you: Determine the value of a specific medical treatment See which treatments may be standard, and why See which treatments may be investigational, and why Treatment Options 1. Check each treatment type for the overall value score. 2. Then check the individual scores for results, safety, comparison and cost. Learn more about your treatment options 7

10 Shop for quality and value Quality Comparison 1. Select the procedure type closest to your medical need. 2. Select hospital size and region, if that s important to you; if not, list will show results statewide. Choosing a hospital for surgery? Use the Hospital Quality Comparison tool at bcbst.com when you want to: Compare hospitals in your area for quality and safety See how often a specific surgery is performed at a certain hospital Compare the results of that surgery at different hospitals 3. Click on a specific hospital to see all results for that location. 4. If outside Tennessee, follow the prompts to the national hospital quality comparisons. Check hospital quality and safety ratings Want to know which hospitals charge more? Use the Hospital Cost Comparison tool in BlueAccess to see: Which Tennessee-region hospitals charge more for the same types of services Which hospitals may offer the same types of services at a lower cost Cost Comparison 1. Select the inpatient or outpatient service type and facility closest to your medical need. 2. Select Tennessee Statewide to see all cost comparisons for a service type. 3. Or choose a specific service area bordering Tennessee. Compare hospital costs in your area 8

11 Get help making changes Need to compare health plans before choosing? If your employer offers you a choice of plans from BlueCross BlueShield of Tennessee, you may be able to use the Health Plan Comparison tool to: Compare plan options and features side-by-side Estimate your medical care needs for the coming year Calculate your overall costs, based on each type of plan offered See which plan works best for you Need answers to your questions? Your employer will give you a Group ID and authentication ID to use. Consumer Coaches and Advisors at BlueCross BlueShield of Tennessee are on hand to help with: Details on how to use your specific benefit plan Instructions on how to use your health tools Opportunities to participate in programs and services that support your better health goals. Depending on your plan, you may have access to 24/7 Nurseline, Lifestyle Coaching and other Well+Wise health programs. For more information, visit bcbst.com and select Health Tools to discover all the consumer support tools BlueCross BlueShield of Tennessee provides. Or call the customer service number on your member ID card for the fast, friendly and knowledgeable help you need. Plan Comparison 1. If you have this option, your employer will give you a Group ID and authentication ID to use. 2. Consider how often you use medical services or fill prescriptions, so you can accurately estimate your upcoming needs. 3. Check details of each plan s calculations to compare your premium costs, as well as your deductible amounts and out-of-pocket expenses. 4. Use the comparisons to see how your medical care and financial decisions can impact your overall costs with each plan. 9

12 bcbst.com 801 Pine Street Chattanooga, TN BlueCross BlueShield of Tennessee, Inc., an Independent Licensee of the BlueCross BlueShield Association Registered marks of the BlueCross BlueShield Association, an Association of Independent BlueCross BlueShield Plans This document has been classified as public information CDHC-007 (10/08)

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