Your plan includes two levels of coverage: in-network and out-of-network. When you use preferred providers (in-network doctors and hospitals), your coverage is higher (more of the cost is covered) than when you use non-preferred providers (out-of-network doctors and hospitals).

Your plan includes two levels of coverage: in-network and out-of-network. When you use preferred providers (in-network doctors and hospitals), your coverage is higher (more of the cost is covered) than when you use non-preferred providers (out-of-network doctors and hospitals).

If you need care and your doctor's office is closed, you have options:

Get medical advice from a Blue Cross nurse, 24/7, by calling the Blue Care Line^SM toll-free at 1-888-247-BLUE (2583).

Visit a limited services clinic (such as CVS Minute Clinic^®'').

Go to an urgent care center if you have an injury or illness that needs immediate attention but isn't life threatening.