Health insurance 101
Blue Cross of Idaho
Your health insurance policy will cover some expenses completely, even if you haven't reached your deductible yet. Examples of these may be routine physicals and flu shots.
Expenses that don't count toward your deductible include your monthly premiums and common health-related purchases such as over-the-counter painkillers or contact lens solution. There are also some expenses that you will have to pay for even once you have reached your deductible, such as out-of-network healthcare services and certain prescriptions or treatments that are not covered by your plan.
What's your current balance towards your deductible? Log in to your account at www.bcidaho.com, click on "Claims, EOBs & Coverage Descriptions," and then click on "Deductible & Maximums" to see how much you've spent towards your deductible.