Getting to know BlueSaver (2025)

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 and Blue Shield of Louisiana 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. Blue Cross and Blue Shield of Louisiana and HealthEquity are not engaged in rendering tax, legal or investment 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 my.lablue.com 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.

We are committed to providing you with affordable access to quality healthcare through our Quality Blue program. If your doctor takes part in this program, you are a part of it, too. You can ask your provider if they are in the Quality Blue program or look them up in our directory at lablue.com/findcare. Quality Blue providers have an indicator as shown below:

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

Get healthcare at your fingertips 24/7 by downloading MyLABlue, powered by MyChart, from the App Store or Google Play. Already using MyChart? You can add MyLABlue to your MyChart app and access your health insurance information in one place!

Access your health information anytime, anywhere with MyLABlue. Powered by MyChart, members can track their insurance activity, connect securely with customer service, search in-network doctors, estimate costs, check the status of prior authorizations, download a digital ID card and more.

Log in at my.lablue.com, in the MyLABlue app or through MyChart.

 

The Louisiana Blue provider network includes robust virtual care options, including online behavioral health services, online doctor visits and 24/7 virtual urgent care services. Members of all health plans have access to in-network providers who offer these services through telehealth. With telehealth, you can get care from anywhere using a device that has internet and a camera (phone, laptop, tablet).

Louisiana Blue commercial members can use the MyLABlue digital platform (app or online portal) to find in-network providers who offer telehealth services. When searching our Find Care provider directory, telehealth providers have an "Offers Virtual Care" indicator.

Visit lablue.com/telehealth to learn more.

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 my.lablue.com and choosing Paperless Preferences.