Blueprint Portal is a members-only website that will help you understand and manage your health plan so you’re able to find quality, patient-focused healthcare at the best possible price.
Review claims history
Check deductible and out-of-pocket totals
View and order replacement ID cards
Find a doctor or hospital
Estimate treatment costs
View pharmacy information
Review a recent doctor visit
Glossary of healthcare terms
The process an insurance company uses to decide whether or not to pay on a claim.
Affordable Care Act (ACA)
It is a federal law passed in 2010 with the goal of improving access and affordability for more Americans to healthcare. Also known as Obamacare or the healthcare law.
The highest amount a health plan will pay a doctor or hospital for a given service.
The highest amount an insurance company will pay for services covered by your health insurance policy.
The money a doctor or hospital charges for services.
The amount you pay each year before your health plan begins to pay for services your policy covers.
Annual Enrollment Period (AEP)
The time when you can re-enroll in the health plan you are already in or choose to enroll in another health plan. Usually used for Medicare.
Annual Limit on Cost Sharing
The money you could pay for services covered by your health plan each year (including deductibles, coinsurance and copays). After you’ve reached that amount, your health plan pays 100 percent for the rest of your covered services for that plan
year. Also called out-of-pocket-maximum.
When you ask a health insurer to reconsider a decision.
The 2016 legislation that expanded Medicaid in Arkansas. It extended the Private Option program while requiring Medicaid participants to contribute a percentage of their income and meet other criteria. On Jan. 1, 2022, the Arkansas Works program will
be renamed, the “Arkansas Health and Opportunity for Me” or “ARHOME.”
The ability for members to set up an automatic draft using a credit/debit card or bank draft to pay their monthly premium(s).
When a doctor or hospital bills you for the amount not covered by your plan. This can happen if you see an out-of-network provider.
Services your plan covers. Also known as covered services.
A drug owned by one company that usually costs more than a generic.
Catastrophic Health Plan
A health plan for individuals under 30 with extreme financial hardship. Catastrophic coverage is for worst-case scenarios.
Ongoing medical conditions, such as asthma or diabetes.
A request for payment a doctor or hospital sends to an insurer when you receive care.
COBRA (Consolidated Omnibus Budget Reconciliation Act)
A federal law that requires employers to offer continued health insurance coverage to certain employees and their dependents whose group coverage has been terminated.
Your share of costs, usually after you've met your deductible. For example, if your plan pays 80 percent for a service, you would pay 20 percent in coinsurance.
Copayment or Copay
A flat fee you pay for service covered by your plan, like a doctor’s visit. You usually pay it at the time you go to the doctor.
The amount of money you pay for a healthcare service, in the form of copays, deductibles and coinsurance. This is in addition to the premium or monthly rate you pay to be a member of the health plan. Also known as out-of-pocket costs.
A discount that lowers how much you pay out of pocket for deductibles, coinsurance and copays. You can get this reduction if you get health insurance through the Exchange and your income is below a certain level.
Coverage Start Date
The day your health insurance policy goes into effect. You may receive your member ID card before this date, so make sure to wait until your actual effective date if you can. It will save you money!
A person covered by your health plan.
Services your health plan has agreed to insure. Also known as benefits.
The amount you pay for healthcare services before your health insurance begins to pay. Unlike car insurance, where you pay the deductible all at once, costs are paid little by little until you meet this amount.
A person, like a spouse or child, who is on your health plan.
A test to figure out what your health problem is. For example, an X-ray can be a diagnostic test to see if you have a broken bone.
Durable Medical Equipment (DME)
Reusable equipment and supplies ordered for you by your doctor for everyday or extended use. DME may include: oxygen equipment, wheelchairs and crutches.
Effective Date of Coverage
The date your coverage begins or the date a change in your coverage takes effect.
Emergency Medical Condition
An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm.
Essential Health Benefits (EHB)
Benefits all individual and small group plans must provide under the Affordable Care Act (ACA).
State and federal websites, created under the Affordable Care Act (ACA), where you can compare and purchase qualified health plans. Also known as Health Insurance Marketplace.
Services your insurance does not pay for because they are not covered by your policy.
Explanation of Benefits (EOB)
A document sent from your health plan to help you understand your medical and prescription claims for services you received. It is not a bill.
Federal Poverty Level (FPL)
Income levels updated yearly by the federal government to determine your eligibility for certain programs and benefits.
Flexible Spending Account (FSA)
An account set up through your employer that you can use to pay for many of your out-of-pocket medical expenses with tax-free dollars. The account is usually funded by your pay, but your employer can also add money. It does not need to be paired with
a health plan. Typically, any FSA money you don't spend by the end of the year, you lose.
A list of prescription drugs selected for their medical effectiveness, positive results and value. You can save money by choosing drugs on the list, especially if they are generic drugs. Also known as drug formulary or prescription drug list.
A prescription drug that has the same active ingredients and cost less than a brand name drug.
Grandfathered Health Plan
A health plan that was in place when the Affordable Care Act (ACA) was passed into law on March 23, 2010. A grandfathered plan is exempt from some requirements of ACA.
Health insurance you receive through your employer. Typically, your employer shares some of the costs with you.
Healthcare services that help a person keep, learn or improve skills and function for daily living.
Health Insurance Marketplace
Health Reimbursement Account (HRA)
An account set up by your employer that you can use to pay for many of your out-of-pocket medical expenses. Because an HRA account is owned and funded by your employer, it does not go with you if you change plans or jobs.
Health Savings Account (HSA)
A bank account that lets you save and pay for healthcare expenses, tax-free. HSAs are paired with high-deductible health plans and unspent funds roll over year to year.
High Deductible Health Plan (HDHP)
A plan with a higher deductible than a traditional insurance plan. This is usually tied with a lower premium.
HIPAA (Health Insurance Portability and Accountability Act)
A federal law that protects the privacy of your health information by limiting who can look at and receive it.
Health Maintenance Organization (HMO)
A type of health plan where you choose a primary care physician (PCP) who coordinates your care using doctors and hospitals that are in your network. If you need a specialist, a referral from your PCP is required. Generally, an HMO won't cover services
from an out-of-network doctor.
Healthcare services and supplies you get in your home under your doctor's orders.
Services to provide comfort and support for people in the last stages of a terminal illness.
Individual Health Insurance Plan
A plan you buy directly from a health insurance company instead of getting it through an employer.
Doctors, hospitals and other providers that have agreed to provide services at set rates.
Services you receive when you are admitted to a hospital.
Government insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly and people with disabilities.
A group of doctors, nurses and other healthcare professionals that provide medical services in one medical practice.
A federal health insurance program for people who are 65 or older, certain younger people with disabilities and people with end-stage renal disease.
A person covered by a health plan.
Metallic Health Plans
Health plans are broken into categories named after metals: Bronze, Silver and Gold. These categories reflect how you and your plan share the cost of your healthcare.
A person who helps you understand and use healthcare services and insurance in the federal Health Insurance Marketplace.
A group of doctors, hospitals and other professionals who have been contracts to provide medical services to members.
Off-Exchange Health Plan
A plan you can purchase directly from a health insurance company which is not eligible for the premium tax credit. If you qualify for a premium tax credit and want to use it, you must enroll in an on-exchange plan.
On-Exchange Health Plan
A plan you purchase from the government-run website, called the exchange. If you qualify for a premium tax credit and want to use it, you must enroll in an on-exchange plan.
Open Enrollment Period (OEP)
If you buy your own insurance, the Open Enrollment Period is the time every year when you can renew your current plan or choose a new plan. Medicare plans have their own enrollment period. If you already have a plan, you may have a separate open enrollment
period, and you should check the dates for those.
A doctor or hospital who doesn't have a contract with your health plan.
Your expenses for medical care that aren't paid by insurance. Out-of-pocket costs include deductibles, coinsurance and copays plus any other costs that aren't covered.
Out-of-Pocket Maximum (OOPM)
The most you pay for medical care during the year. This does not include your premium, just out-of-pocket costs.
Health services or treatment that do not require an overnight stay at a hospital.
Over the Counter (OTC)
A drug you can buy without a prescription.
Personal Health Record (PHR)
An online collection of important information about your health, such as medical claims, medications, and family and social histories.
Health coverage issued to you directly (individual plan) or through an employer, union, or other group sponsors (employer group plan) that provides coverage for certain healthcare costs.
A condition, disability or illness that you have been treated for before applying for new health coverage.
Preferred Provider Organization (PPO)
A plan that allows you to use any doctor or hospital, without referrals. You pay lower costs when you see network providers.
The set dollar amount you pay each month for health insurance.
Premium Tax Credit
A tax credit under the Affordable Care Act (ACA) that may lower your monthly insurance payment (premium) when you enroll in an individual or family plan through the exchange. Your tax credit is based on your income estimate and household size. It
is a type of a subsidy.
Drugs and medications ordered by a doctor and picked up a pharmacy.
Routine healthcare that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems.
Primary Care Provider (PCP)
Your family doctor you see for most of your healthcare needs.
Approval from your health plan before you receive certain tests, procedures or medications. The health insurance company reviews the care plan to determine if it is medically necessary and appropriate for your situation.
Healthcare professionals and facilities, such as doctors and hospitals.
Qualified Health Plan
An insurance plan that is certified by the Health Insurance Marketplace and meets Affordable Care Act (ACA) requirement.
Qualifying Life Event
A change in your life (such as the birth of a child, marriage or divorce) that allows you to make changes in your health plan.
Approval from your doctor for you to get care from a different doctor, specialist, hospital, clinic or lab.
Healthcare services that help a person keep, get back or improve skills and functioning for daily living.
Special Enrollment Period (SEP)
A time outside of the open enrollment period when you can sign up for a health insurance plan. You qualify for a special enrollment period following a qualified life event.
A doctor who focuses on a specific area of medicine.
A type of prescription drug that requires special handling or monitoring, or is difficult to dispense. Specialty drugs are often the most expensive drugs.
Financial assistance offered by the federal government to help with the costs of individual and family health insurance plans. Some people receive a lower premium, lower cost-sharing, or both.
Summary of Benefits and Coverage (SBC)
A document that lists the plan's benefits.
A visit that happens by phone or online that includes two-way, real-time communication between a patient and a doctor.
If you choose to access other websites from this website, you agree, as a condition of choosing any such
link or access, that Arkansas Blue Cross and Blue Shield (ABCBS) is not and shall not be responsible or liable to you or to
others in any way for your decision to link to such other websites. You further agree that ABCBS and its
affiliates, its directors, officers, employees and agents ("the ABCBS Parties") are not responsible for
the content of any other website to which you may link, nor are ABCBS or the ABCBS Parties liable or responsible
under any circumstances for the activities, omissions or conduct of any owner or operator of any other
website. Once you choose to link to another website, you understand and agree that you have exited this
website and are no longer accessing or using any ABCBS Data. You understand and agree that by making any
third-party website link available as an option to you, ABCBS does not in any way endorse any such website,
nor state or imply that you should access such website or any services, products or information which
may be offered to you through such other websites or by the owner or operator of such other websites.
The owners or operators of any other websites (not ABCBS) are solely responsible for the content and operation
of all such websites. ABCBS makes no warranties or representations of any kind, express or implied, nor
of merchantability or fitness for a particular purpose, nor of non-infringement, with regard to the content
or operation of any other website to which you may link from this website.
IE support ending soon
Important: Blueprint Portal will not load if you are using Internet Explorer.
Looks like you're using an old browser. The site may not work properly. The Internet Explorer 11 browser application will be retired and go out of support on June 15, 2022. We're encouraging our users to go ahead and switch to Microsoft Edge, Google Chrome, Safari or Firefox.