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Frequently Asked Questions

Looking to find answers to your billing, claim forms, and other questions? Use our frequently asked questions to find answers.

My Coverage

I am a member but I do not see where I can log in on this website. Where do I find access to my member benefits, coverage, etc?

Bcbs.com is the Blue Cross and Blue Shield Association website. The Blue Cross and Blue Shield Association does not have access to member information. We regulate the brand and licenses to all 38 Blue Cross and Blue Shield local companies.

To access specific information about your coverage, EOBs, prescriptions, paying a bill, or any other questions related to your individual or group health insurance, please contact the customer service number on the back of your member card. Otherwise you may enter your 3-letter member ID number here on our Company Finder.

I was denied coverage, a claim, or received erroneous charged on my EOB, whom do I contact?

To access specific information about your coverage and claims related to your individual or group health insurance, please contact the customer service number on the back of your member card. Otherwise you may enter your 3-letter member ID number here on our Company Finder. Bcbs.com does not maintain member information.

How can I get maximum coverage for my claims or benefits?

To receive maximum coverage for your claims and benefits, there are steps you can take prior to seeing your healthcare provider.

  1. Check with your provider to ensure they are accepting Blue Cross Blue Shield insurance.
  2. If possible, call your local Blue Cross and Blue Shield company customer service prior to seeing your provider and ask if the service and/or provider is covered under your benefit plan.
  3. Ask what your coverage benefits are. For example, your PPO in-network provider benefits may be 80% compared to 20% of out-of-network provider benefits.
  4. For HMO coverage, please see your primary care provider before seeing a specialist.
  5. Call customer service or log on to your local Blue Cross and Blue Shield company website and see what your out of pocket limit is as well as your remaining out-of-pocket balance. You will not receive maximum benefits until your deductible, out-of-pocket maximum, and any other benefit plan restrictions are met.
  6. If admitted to a hospital, call your local Blue Cross and Blue Shield company at the customer service number on the back of your card to register for hospital admittance. If it is an emergency, go to the emergency room first to get treated, then contact your local Blue Cross and Blue Shield company to see what procedures and/or stays are allowed for the illness/treatment.
  7. If possible, request generic prescriptions to save on costs.
  8. If you have Medicare and/or a Blue Cross and Blue Shield Medicare suppliment product, make sure your provider accepts Medicare patients. If so make sure your provider contacts Medicare and your Blue Cross Blue Shield company first to verify if the service, device, or admittance to a hospital/care facility are covered. For further information on Medicare, please go to the Medicare.gov website, use our AskBlue Medicare tool, or see a listing of participating Medicare Advantage and Prescription Blue Cross and Blue Shield companies

Claims and Billing

Whom do I contact when I have a billing questions, get claim forms or talk to if a claim has been rejected?

Contact your local Blue Cross and Blue Shield company for details regarding billing. 

Not sure which Blue company you belong to? Enter your zip code here to use our Plan Finder. Be sure to have your account number, paperwork and any important information such as dates or doctor references handy when you call.

Where do I file a claim for medical care received outside the United States?

For hospitalization arranged by the BlueCard Worldwide Service Center, the provider will file the claim for you.

For outpatient and professional services and hospitalizations not arranged by the Service Center, you will have to pay the provider and then send a completed BlueCard Worldwide claim form with original invoices to the BlueCard Worldwide Service Center. The claim form with filing address and instructions can be found here.

Purchasing Insurance

How can I get information on purchasing health insurance?

Click here for information on obtaining health insurance coverage for yourself, your family or a group. You may also use our AskBlue tool to find out more information about insurance and Medicare and how it may impact you.

How can I find out information about coverage that is supplemental to Medicare?

There are lots of Medicare choices, including Medicare+Choice, medical savings accounts and private fee-for-service plans. For plans available to you, use our AskBlue Medicare guide. You can also view a listing of Blue Cross and Blue Shield companies who participate in Medicare Advantage and Prescription Drug choices. Contact your local BlueCross and Blue Shield representative for details regarding claims or coverage. Not sure which Blue company you belong to? You can find out by typing your home or work ZIP code in our Plan Finder.

Doctors, Hospitals and Specialties

What is a Primary Care Physician (PCP)?

A physician or other medical professional who serves as a group member's first contact with a company's health care system. Also known as a primary care provider, personal care physician or personal care provider.

What is a Provider?

A provider is a hospital, health care facility, physician or other medical professional that provides health care services.

Do all family members have to select the same Primary Care Physician (PCP)?

This may vary depending on the Blue Cross and Blue Shield member company and plan/program through which you receive your benefits. Contact your local Blue Cross and Blue Shield company for more information. Not sure which Blue Plan is yours? You can find out by typing your home or work zip code in our Plan Finder.

How often is your BlueCard Doctor and Hospital Finder updated?

Each one of our Blue Cross and Blue Shield independent licensees (our member companies) collect and provide information for our PPO finder via different timetables and methods. While we make every effort to keep the Provider Finder "up-to-date," it is always best to confirm any provider information you select from this utility with your local Blue Cross and Blue Shield representatives.

Where can I find a list of available doctors?

Contact your local Blue Cross and Blue Shield company for information on which doctors participate in the plan/program in which you are enrolled. Or use our Blue National Doctor and Hospital Finder.

Where can I get a list of hospitals and doctors outside the United States?

You can search for hospitals and doctors worldwide by going here.

How often is the international hospital and doctor information updated?

The information is updated as soon as new information becomes available from our local Blue Cross and Blue Shield companies.

Who do I call if I need to access a provider outside the United States?

If you need to access a provider outside the United States, you can call the BlueCard Worldwide Service Center at 1.800.810.BLUE or collect at 804.673.1177 for information on hospitals and doctors or you can use this web site to locate providers.

If you are hospitalized you must call the Service Center in order for them to arrange cash-less access with the hospital.

In an emergency, go to the nearest hospital and then call the BlueCard Worldwide Service Center if you are hospitalized. Contact your Blue Cross and Blue Shield company located on the back of your insurance card for pre-authorization, if necessary.

I'm a doctor. Who do I talk to about providing health care services through Blue Cross and Blue Shield programs?

Contact your local Blue Cross and Blue Shield company for information on becoming a participating provider.

General Questions

I lost my member card. How do I obtain a new one?

If you have lost your member card, please contact your local Blue Cross and Blue Shield to get a replacement.

What is a PPO?

A Preferred Provider Organization (PPO) is an arrangement designed to supply health care services at a discounted cost by providing incentives for members to use designated health providers (who contract with the PPO at a discount), but which also provides coverage for services rendered by health care providers who are not part of the PPO network.

What is an HMO?

HMO stands for Health Maintenance Organization, a health care system that assumes or shares both the financial risks and the delivery risks associated with providing comprehensive medical services to a voluntarily enrolled population in a particular geographic area, usually in return for a fixed, prepaid fee.

For more insurance terms and definitions, please see our Glossary.

I will be working in another country via my employer. How can I maintain coverage?

GeoBlue offers group health insurance to international business travelers and expatriates through participating Blue Cross and Blue Shield companies.  GeoBlue Expatsm and GeoBlue Travelersm. Both products provide unsurpassed service and mobile technology to help expats, travelers and their families access trusted doctors and hospitals all around the globe. Through innovative product offerings, including concierge-level service, members who are living or working abroad can find carefully selected doctors and hospitals in more than 180 countries.

What is the BlueCard Worldwide® program?

The BlueCard Worldwide program provides Blue Cross and Blue Shield eligible members with access to a network of hospitals and doctors and assistance in obtaining medical care worldwide.

 

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