Why Blue Cross Is the Easy Choice
The Choice Is Yours
Our range of plan options and large network of doctors and hospitals give you the freedom to choose both the coverage that works for you and the providers that you like.
We’ve Got Your Back
With support that’s always within reach — online, on the Alabama Blue app or over the phone — you’ll have the tools and guidance you need to make informed decisions with confidence.
Clarity and Confidence
We make it easy to understand your benefits, options and costs by providing plan details and pricing up front. No second-guessing. No confusion. Just smart decisions for you and your family.
The more you know, the more confident you feel.
Check out our resources covering common health insurance topics.
What is a Deductible?
A deductible is the amount you pay for health services before your insurance begins to share costs. For instance, if your deductible is $1,500, you’ll pay for eligible services up to that amount before your insurance kicks in to cover part of the costs.
What is Coinsurance vs. Copay?
- A copay is a fixed amount you pay for certain in-network services, like a doctor’s visit, a prescription, or an emergency room trip.
- Coinsurance is a percentage of the cost you’ll pay after receiving eligible healthcare services. Unlike a copay, it varies with the total cost of the service.
What is a PCP (Primary Care Physician)?
A Primary Care Physician, or PCP, is your main doctor for routine care, preventive services and early treatment. They’re your go-to for health concerns and can coordinate your care with other doctors.
What is an Out-of-Pocket Maximum (OOPM)?
Your out-of-pocket maximum is the most you’ll pay in a year for eligible health services. Once you hit this limit, your insurance pays 100% of covered services for the rest of the year.
