Getting to know BlueSaver (2023)

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 BlueSaver.

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.

Your plan covers a variety of benefits to keep you healthy. They include:

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

You can manage your prescription drug coverage by logging in at lablue.com/myaccount and choosing "Pharmacy" on the dark blue bar near the top of the page. Once you log in, you can:

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 findcare.lablue.com to find a doctor or hospital in your network.

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

Activate your Louisiana Blue 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.

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. The cost of your BlueCare visit will depend on your plan type and benefits. Providers are U.S. trained and board certified. BlueCare providers are available in all 50 states. BlueCare meets state and federal healthcare services laws, is HIPAA-compliant and is as valid as an in-person visit.

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 lablue.com/myaccount and choosing "Account Preferences."