Individual Coverage

It's all about you.

At Blue Cross & Blue Shield of Mississippi, our commitment to a healthier Mississippi begins with you. Our focus is helping you maintain a healthy lifestyle supported by health and wellness benefits designed to help you be healthy and stay healthy. For individuals under age 65, Blue Care offers you something you'll find nowhere else -- a health and wellness benefit plan that lets you take control of your health, with a network of providers and pharmacies that covers Mississippi and beyond.

 Apply Now for Blue Care.

Blue Care will provide you benefits when you are sick, injured or need a prescription drug -- but more importantly it will provide you wellness benefits that can help you make lifestyle changes today that will allow you to be healthier in the future. You will not only be managing your health, but also reducing future healthcare costs.

As Mississippi's health and wellness leader, we're going to be with you every healthy step of the way -- working with you to take charge of your health and make smart decisions about your healthcare. Together, we can make a difference in your health!

3 Ways to Apply:
 Click the link above to get a quote and apply.
 Call us at 601-664-5182 or
1-800-635-0879.
 Contact your certified Blue Cross & Blue Shield of Mississippi agent or local Farm Bureau agent.
be healthy.

For an overview of Blue Care benefits, click here.

It begins with a Healthy You!

Healthy You! apple logo The first step toward a Healthy You begins with knowing all you need to know about your health. Healthy You! provides an annual wellness visit with your Network Provider, at no out-of-pocket cost to you. Benefits are paid at 100% with no copay, deductible or coinsurance.

At your Healthy You! visit, your Network Provider will conduct age and gender specific screenings to help you "know your numbers" related to blood pressure, cholesterol, blood glucose and weight. Once you have the information you need about your health, you can work with your Network Provider to maintain or improve your health through lifestyle changes or, if necessary, medication therapy.

Our Healthy You! Wellness Guide is designed to help you along the road to good health. The guide contains a complete listing of screenings and immunizations covered under Healthy You!, a Body Mass Index chart and space to record your "numbers" from your Healthy You! visit. You can use the guide to track your results and goals as you work toward better health. Research shows that people who actively write down their goals are more likely to accomplish them. You can review details about Healthy You! in this brochure, or visit the Healthy You! section of our website.
be healthy.

It begins with being tobacco-free.

One of the most important health decisions anyone can make at any age is to not use tobacco. Cigarette and smokeless tobacco use can cause serious illnesses and unnecessary healthcare costs. With Blue Care, you qualify
for a lower premium if you and everyone in your household
does not use tobacco.
It's that simple.

When you are covered by Blue Care -- if you use tobacco and make the decision to quit, we're here to help.

One of the most important health decisions you can make at any age is to not use tobacco.

If you make the decision to quit, we're here to help.

The "be smoke-free" Program provides a comprehensive 90-day tobacco-cessation program that includes telephone counseling, visits with a "be smoke-free" Network Provider and medication or nicotine replacement therapy. The program is provided at no cost -- and if you are successful in being tobacco-free for 12 months, and your household is tobacco-free, your Blue Care premium will be reduced.

Our website can provide you additional information about the "be smoke-free" Program that is available to all Blue Care members who use tobacco.
be healthy. be tobacco-free.

be RxSmart. it's your choice.sm

A prescription to eat healthy, exercise and be tobacco-free is the first step -- but sometimes you need a choice of prescription drugs.

A healthy diet, exercise and being tobacco-free are all part of maintaining a healthy lifestyle and reducing your risk of chronic health conditions such as high blood pressure, cardiovascular disease, diabetes and cancer. And, these lifestyle habits can even prevent the need for prescription medications. Sometimes, though, your Network Provider may decide that there is a need for a prescription drug. When that happens, we want to make sure you get the most for your money.

Our be RxSmart. it's your choice. prescription drug benefit gives you the information you need to better understand your medication options and know more about generic drugs. The four-category benefit includes four different levels of copay amounts, and encourages you to use generic drugs. Generics contain the same medicines as brand-name drugs, so why pay more?

View a listing of the prescription drugs covered in the four categories and detailed information about each drug.
be healthy. be RxSmart.

Sometimes you may just need some good advice.

Part of taking ownership of your health is taking an active role in managing your healthcare costs. Knowing when to get medical care and what level of care you need is important to how much you pay for healthcare.

Sometimes you're faced with health situations and you need answers quickly. It may be a lingering headache, unusual aches and pains or a cold that just won't go away. Perhaps your child has a fever or has had an accident. Do you go to your Network Provider or the emergency room? The Blue Cross & Blue Shield of Mississippi Nurse Advice Line provides confidential, non-emergency medical advice 24 hours a day, seven days a week. With one call to a toll-free number, you've got access to registered nurses standing by to answer your questions, as well as a library of pre-recorded medical information.
be healthy. make the call.

The most important health partner you can have.

In addition to helping you be healthy, Blue Care provides you benefits for Network Provider office, inpatient and outpatient services -- and you can choose the level of coverage you need. Calendar year medical deductible options allow you to make the most of your healthcare budget and you can also choose between a copay or
coinsurance option -- and there is an optional maternity benefit.

With Blue Care you get access to the most important health partner you can have -- a Blue Cross and Blue Shield Network Provider. Network Providers will file claims for you, ensure the medical necessity of services and bill you only for your deductible, coinsurance or copay for covered services. Most importantly, they can help you be healthier!

We offer the largest and most comprehensive network of healthcare providers in Mississippi and beyond, so you're never far from someone who is committed to your health. Blue Care gives you network benefits whenever and wherever you travel. Our website offers a complete listing of our Network Providers.

It's all about you! Blue Care means Service Excellence.

When you have Blue Care coverage, your important time should be spent on focusing on your health and being healthy. That's why we will be taking care of everything else for you.

It begins with your Welcome Kit that will provide you the information you need to use your benefits. On our website you'll find valuable information and benefit plan support. For example, you can locate a Network Provider, select a cost-effective drug, change your address, order a new ID card or locate a hospital-based wellness center that will provide you a membership discount.

With electronic bankdraft payment, you will never have to worry about the cost of a stamp or your premium payment being delayed. Our Service Team will make sure your claims are processed quickly and we will be there to provide thoughtful responses to your questions -- and help you along your health and wellness journey.

Let us partner with you today.

There are three simple ways to apply for Blue Care:
o Apply online through the apply here link at the top of this page.
o Call us at 601-664-5182 or 1-800-635-0879.
o Contact your certified Blue Cross & Blue Shield of Mississippi agent or local Farm Bureau agent.

Rates are based on your age and gender, and the Mississippi county in which you live. Applications will be subject to underwriting, and pre-existing conditions will be excluded from coverage for 12 months. If you need more information, just email us at BlueCare@bcbsms.com.

Blue Care Limitations and Exclusions


The Cost Awareness policy is available to individuals transferring from another Blue Cross and Blue Shield plan. This $100,000 lifetime maximum policy includes benefits for hospital care, maternity care, outpatient services, psychiatric care, and substance abuse.