Member FAQs

Can I pay my premium online?

We accept payments online for some health plans. See if you have online billing when you log in to the member site. Another option is to set up an automatic payment by sending us a completed form.

Learn more about paying your premium online

How do I add or remove a dependent?

In most cases, you can only add dependents to your plan either during an open enrollment period or if you qualify for special enrollment. If you have insurance through an employer, ask your employer about adding a dependent to your plan.

You can remove dependents by calling the number on the back of your member ID card.

Learn more about dependents and your plan

How do I renew my plan?

If you buy your own health plan or have a Medicare plan, your plan will renew automatically. If you have a public programs plan, you may need to fill out some forms to continue your plan. We will contact you before your plan renews with details. You can also call the number on the back of your member ID card for more information.

If you have a health plan through your employer, your plan probably renews automatically each year. You may be able to change your health plan during an open enrollment period. Contact your employer for details.
 

How do I cancel my health plan?

You must cancel your coverage in writing. Be sure to check your plan’s cancellation policy. If you have a health plan through your employer, contact your human resources department.

For questions, call the customer service number on the back of your member ID card or see more about cancelling your plan.

When will my ID card arrive?

You’ll receive an ID card for you and for each covered family member within a few weeks after your plan takes effect.

Learn more about ID cards

How do I order another ID card?

For additional or replacement ID cards, log in to the member site to request them or call the number on the back of your ID card.

Can I access my ID card online?

Yes, you can log in to the member website to see and send a digital version of your ID card. 

How do I find out if a procedure or treatment is covered?

Log in to the member site to see a summary of your coverage and benefits.

You can also get help by calling customer service using the number on the back of your member ID card.

Learn more about plan coverage

How do I find out if my prescription drug is covered?

Log in to the member site to see information about your prescription drug coverage.

You can also log in to your member app to check prescription coverage and cost. The Drug Cost Estimator is available for those members with drug benefits administered by Prime Therapeutics. 

Get help understanding your prescription drugs coverage

What is an explanation of benefits?

An Explanation of Benefits (EOB) is a document that shows a breakdown of the health care services you received at your last doctor visit. It shows what your health plan has paid and what amount you are responsible for paying.

Learn more about EOBs

What is a preventive care visit? Is it free?

Preventive care includes exams and tests that help you stay as healthy as possible. It is usually covered by your health plan. The care you need depends on your age, gender, family history and other factors.

Learn the difference between a preventive visit and an office visit

See preventive care recommendations

How can I see my claims?

Log in to the member site to see a list of your recent claims.

How do I submit a claim?

Use this medical claim form or visit the prescription drugs site to get a prescription drug claim form for reimbursement from your health plan. Mail it to the address on the form.

Note: You don’t have to submit a claim if you visited a doctor, clinic or hospital in your health plan’s network. They’ll submit the claim for you.

Learn more about claims

How do I get a prior authorization?

Learn about prior authorizations: why they are needed and how to submit an appeal.

If you have questions about prior authorization, please call the customer service number on the back of your member ID card.

Where do I find forms?

You can find general forms on the Forms page.

Why was I billed for my preventive care visit?

A preventive care visit with your doctor focuses on your overall health and how to stay healthy. But sometimes a preventive visit turns into an office visit that costs you money. Learn why this happens.

How do I find a doctor?

Be sure to select your network before you search so you’ll only see who’s covered by your plan. Blue Cross has many health plans, and doctor networks may be different for each plan.

Search for a doctor online if you get insurance on your own, through an employer or you have a Medicare plan.

Public programs members can search for doctors here.

Learn more about networks or see tips for choosing care.

How do I find a pharmacy?

For best results, log in to the member site. If you have employer coverage and you have a separate prescription member ID card, be sure to visit the website noted on that card.

See more about understanding prescription drug coverage.

How do I find a dentist?

Finding a covered dentist depends on whether you have a separate Blue Cross Dental plan (with a separate ID card) or not. You can find a dentist here.

How do I find an eye doctor?

Finding a covered eye care services provider depends on whether you have a separate Blue Cross Vision plan (with a separate ID card) or not. You can find an eye doctor here.

What health programs and discounts come with my health plan?

To see the health programs and discounts that come with your plan, log in to your member site.

I forgot my password.

Most members can get help with your member site password here. 

Who can I call for technical support?

Call the service number on the back of your member ID card. Technical support is available during normal service hours.

How can I reduce the amount of mailings from Blue Cross?

While we are required to send some things via the mail, other communication can be sent to your personal email address. Log in to the member website and look for your contact preferences and "Go Paperless." Then you can select how you would like to receive your Explanation of Benefits (EOBs), plan notices and more. Thank you for helping us be environmentally friendly.