Who are Preferred Providers?
The Preferred Provider Network will be Blue Cross Blue Shield of Massachusetts. A Preferred Provider is a doctor, hospital or other health care provider that participates in the Blue Cross Blue Shield of Massachusetts Blue Care Elect PPO Network.
The advantage to using a preferred provider is that these providers have agreed to accept a predetermined fee or preferred allowance as payment for their services. Consequently, when insured students use preferred providers, out-of-pocket expenses will be less because any applicable co-payment will be based on a preferred allowance.
Out-of-Network providers have not agreed to any prearranged fee schedule which can result in greater out-of-pocket expenses as Out-of-Network providers may be bill the insured for the balance of the charges not paid by the insurance company. In addition, the insured person should be aware that preferred provider hospitals may be staffed with Out-of- Network providers. Receiving services or care from an Out-of-Network provider at a preferred provider hospital does not guarantee that all charges will be paid at the preferred provider level of benefits.
How do I find a Preferred Provider?
Students looking for a Massachusetts provider should call 1-800-821-1388 or click the website link below. Once there, click the orange 'Go To Find a Doc without logging in' box, then 'Select Your Network to Continue without logging in' and chose 'PPO/EPO' from the drop-down menu.
Searching for Worldwide Providers?
In order to find a Blue Cross participating provider outside of Massachusetts, visit:
Access to CVS MinuteClinics
Blue Cross Blue Shield of Massachusetts has partnered with CVS to offer students enrolled in the Student Health Insurance Program access to a range of simple medical treatments at CVS MinuteClinics. Members can get care at these limited services clinics, usually for the same copayment as their primary care provider and without the need for a referral.
MinuteClinics are available 7 days a week at more than 30 eastern Massachusetts CVS locations. In addition to being convenient, MinuteClinics can help reduce costly visits to the emergency room.
To find a participating MinuteClinic in Massachusetts,
- Visit http://www.bluecrossma.com
- Select "Member"
- Select "Using My Plan" from the navigation bar at the top of the screen
- Under Doctors & Hospitals, select "Find a Doctor and Estimate Costs"
- Click on "Go to Find a Doctor without logging in"
- Scroll down and select "PPO/EPO"
- In the search bar, enter "Clinics, Limited Service"
- Enter Zip Code & chose Radius
- Click on "Search now"
- Gallagher Student Health & Special Risk
500 Victory Road, Quincy, MA 02171
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