The amount that BCBS insurance covers will depend on several factors, including: The type of insurance plan you have: BCBS offers a range of insurance plans, including individual and family plans, employer-sponsored plans, Medicare plans, and Medicaid plans. The coverage details will vary depending on the plan you have. The type of health service you need: BCBS insurance plans typically cover a range of health services, including preventive care, doctor visits, hospital stays, and prescription drugs. However, the specifics of what is covered and to what extent will vary depending on your plan. Your annual deductible: A deductible is the amount you pay out-of-pocket each year before your insurance begins to cover the costs of your care. Deductibles can vary depending on your insurance plan and the type of care you need. Your copayments and coinsurance: In addition to a deductible, you may also be responsible for copayments (a set amount you pay for a service) and coinsurance (a percentage of the cost of a service that you pay). It’s important to note that BCBS insurance plans may also have limits on the amount of coverage available for certain types of services or treatments. To find out how much your BCBS insurance plan covers, you can look at your plan's coverage details or contact Blue Cross Blue Shield directly .