How this plan works
How Your Health Plan Works
Two parts work together to help cover your care.
BCBS Health Plan
- Processes your claims
- Applies costs to your deductible and out-of-pocket maximum
- Determines what is covered
Nonstop Health
- Helps pay your out-of-pocket medical costs
- Covers eligible expenses up to your available funding
- Works with your BCBS medical plan
Your available funding: Individual up to $4,000 | Family up to $8,000
Using your plan
How to Use Your Plan
Follow these 3 simple steps when you need care.
Step 1
Get Care
- Choose an in-network provider
- Confirm your service is covered
Step 2
Use Your BCBS Card
- Show your BCBS ID card at your visit
- Your provider submits the claim
Step 3
Pay Your Bill
- Once processed, use your Nonstop Visa card
- Pay eligible medical expenses
This helps ensure your costs are tracked correctly and covered when eligible.
Important rules
Follow These 3 Rules
- Stay in-network. This helps ensure lower costs and eligibility for coverage.
- Use your Nonstop card for medical expenses. Only use it for approved, in-network services.
- Ask questions before you receive care. If you’re unsure, check first to avoid unexpected costs.
These three steps will help you avoid most issues with your plan.
Covered vs. not covered
What’s Covered vs. Not Covered
Your coverage depends on your BCBS plan.
Covered
- In-network medical services
- Approved doctor visits and procedures
- Covered prescriptions
- Services approved by BCBS
Not Covered
- Out-of-network services unless approved
- Over-the-counter medications
- Dental and vision services
- Services not approved by BCBS
If BCBS doesn’t cover it, Nonstop won’t cover it either.
Nonstop card
When Should I Use My Nonstop Card?
Use Your Card For:
- Doctor bills after insurance processes your claim
- Prescriptions at in-network pharmacies
- Eligible in-network medical services
Do NOT Use Your Card For:
- Dental or vision services
- Over-the-counter items
- Services not approved by BCBS
- Out-of-network providers
Always confirm coverage before using your card.
Troubleshooting
If Your Card Doesn’t Work
Here’s what to check first.
Common Reasons
- Card hasn’t been activated
- Not enough funds available
- Service isn’t covered
- Provider doesn’t accept the card properly
What To Do
- Confirm the service is covered and in-network
- Check your card balance
- Try another provider or pharmacy
Still not working? Pay out-of-pocket and submit a claim for reimbursement.
Claims
How to Get Reimbursed
If you pay out-of-pocket, you can request reimbursement.
Step 1
Log In
Log into the Nonstop member portal.
Step 2
Upload Documents
- Bill
- Explanation of Benefits (EOB)
Step 3
Submit Claim
Most reimbursements are processed within 7–10 days.
Claims are required anytime you don’t use your Nonstop card.
Dates and deadlines
Key Dates to Know
Plan Year
July 1 – June 30
Deductible Reset
Resets every July 1.
Claims Deadline
Submit within 90 days after the plan year ends.
Important
Your Nonstop card only works within the current plan year.
Missing deadlines could mean losing reimbursement eligibility.
Tools and accounts
Your Tools & Accounts
BCBS Account
- Track claims
- View coverage details
- Find in-network providers
Nonstop Member Portal
- Check card balance
- Submit claims
- View plan documents
Using both tools gives you full visibility into your benefits.
