Where Is My Policy Number On My Insurance Card Blue Cross Blue Shield

If you have questions about the services rendered, you should contact the health care provider. If you have questions, please contact Member Service at the number on the front of your ID card. An Exclusive Provider Organization is designed for integration of a healthcare plan, health providers and an insurance company. An EPO plan manages cost by improving quality and health of members by using select providers . An EPO plan promotes quality through transparency initiatives and policies that promote member health and manage the care members receive.

An EPO plan often covers services in-network with network providers and has $0 benefits for out-of-network. If you're an HMO member, you will need to receive services from an in-network HMO provider. However, you will be able to receive emergency or urgent care services no matter where you are. For details about your coverage, please review your Blue KC certificate, which outlines the benefits and exclusions related to your health insurance plan. You can view your certificate by logging in and accessing the Plan Benefit section. Once funds are deposited into your HSA, those funds can be used to pay for qualified medical expenses tax-free, even if you no longer have high-deductible health plan coverage.

The funds in your account automatically roll over each year and remain in the account indefinitely until used. Once you discontinue coverage under a high-deductible health plan and/or get coverage under another health plan that disqualifies you from an HSA, you can no longer make contributions to your HSA. However, since you own the HSA, you can continue to use it for future qualified medical expenses. To change a PCP, log in and visit you Profile by clicking on the icon by your name in the top right corner of your homepage. In the Coverage Information section you'll see a list of covered members for your Blue KC policy. From here select "Change PCP" for the appropriate member and you can search for and designate a new PCP.

Once we have processed your PCP change request, we will send you a new member ID card that contains the information of your newly selected PCP. You may also call the Customer Service number listed on your member ID card to change your PCP. Please note that if you have health insurance through your employer, you may be required to contact your group benefits administrator to change your PCP. To enroll in a high-deductible health plan, complete the Blue KC application process. The Blue-Saver® PPO health insurance plan is a high-deductible health plan that allows you to establish an HSA as part of your health benefits.

When you enroll in the Blue Saver plan, you may be offered the opportunity to establish a HSA with one of our preferred banks. You will be presented with appropriate banking authorizations and disclosures necessary for Blue KC to work with the bank that will establish your HSA. Please note all financial institutions offering HSA products must comply with the USA Patriot Act, requiring your HSA bank to collect and verify information about you when processing your HSA application.

Once your HSA has been established, you will be mailed a welcome kit and HSA debit card from the bank. A qualified health-deductible health plan is a health plan with an annual deductible for an individual or a family that meet the minimum deductible amount published annually by the U.S. The annual out-of-pocket expenses required by the high-deductible health plan also does not exceed the out-of-pocket maximums published by the U.S.

Out-of-pocket expenses include deductibles, copayments and other amounts the member must pay for, but do not include premiums or amounts incurred for non-covered benefits. Allowable charges are the maximum amount payable to you under your health insurance plan for a particular service. Contracted providers have agreed to accept this amount as payment in full. For example, if the provider charges $100 for a service and Blue KC pays $80 as the allowable charge, the provider cannot ask the member to pay the remaining $20. Keep in mind, however, that some health insurance plans have coinsurance.

In those cases, members are required to pay a percentage of the allowable charge. For specific details about your plan, review your Blue KC certificate, which outlines your payment responsibility. There are two times you can make a change to your enrollment options. Your employer schedules an open enrollment period once a calendar year when all employees may make changes to their health insurance plan. You may also make a change during a special enrollment period if you acquire a new dependent or if your coverage is terminated under another health insurance plan.

If you have health insurance through an employer, your group benefits administrator, typically someone in your Human Resources department, can help you make changes to your health insurance plan. If you do not have health insurance through an employer and instead pay your monthly premiums directly to Blue KC, call the Customer Service number listed on your member ID card. When you receive a bill from your doctor, it is often for your copayment, co-insurance, or deductible. These are features of health plans, and basically have the member share in some of the cost of their health care.

For example, some health plans require that the member pay $10 for an office visit and the rest is covered by the plan. We recommend you call to make an appointment with your PCP as soon as you can. A checkup now will help your PCP learn about your medical history before any health issues occur. You can continue to use the funds in your account tax-free for out-of-pocket health expenses.

If you enroll in Medicare, you can use your account to pay Medicare premiums, deductibles, copayments and coinsurance under any part of Medicare. If you have retiree health benefits through your former employer, you can also use your account to pay for your share of retiree medical insurance premiums. The one expense you cannot use your account for is to purchase a Medicare supplement insurance or "Medigap" policy.

You cannot use HSA funds to pay for qualified medical expenses incurred before you enrolled in a high-deductible health plan. In order to establish an HSA, you must enroll in a high-deductible health plan. Your eligibility to contribute to an HSA is determined by the effective date of your high-deductible health plan coverage. A Health Savings Account allows members enrolled in a qualified high-deductible health plan to contribute funds on a tax-free basis into the member's account.

These funds are used for payment of qualified medical expenses as defined by the IRS. Unused funds in an HSA roll over in the member's account at the end of each calendar year. Because your PCP coordinates your care, you should always let our group know whenever you seek treatment of any kind.

For further details about the specific cases that don't require a referral, please call Member Service at the number on the front of your ID card. Getting a checkup now will help your PCP learn about your medical history before any health issues occur. It is very important to make sure that your address, phone number, and email address on file at the school are current and accurate.

If not, ID cards, explanation of benefits and other notifications about your student health insurance plan may not get to you. If you have moved or your contact information has changed, please make sure you update your contact information with your school. EPO -- stands for Exclusive Provider Organization -- is similar to an in that it is a healthcare plan that covers eligible services from providers and facilities inside a network. Generally, an EPO does not pay for any services from out-of-network providers and facilities except in emergency or urgent care situations, which is similar to an HMO.

Unlike an HMO, EPO participants are not usually required to have a primary care physician or referrals. Your PersonalBlue health insurance plan includes a prescription drug coverage plan with set copayments for both generic and brand name prescription drugs. The PCA portion of your plan cannot be used to reimburse you for these copayments. After the funds in your PCA have been used, you will be responsible for a certain amount of your healthcare costs until your deductible amount has been met. You do have the benefit of the negotiated prices for healthcare from network providers, but you will pay for all of the healthcare until your individual or family deductible is met.

Under the last-month rule, if you are an eligible individual on the first day of the last month of your tax year , you are considered an eligible individual for the entire year. You are treated as having the same high-deductible health plan coverage for the entire year as you had on the first day of that last month. The total contribution for the year can be made in one or more payments at any time up to your tax-filing deadline .

Is My Policy Number On My Insurance Card However, if you wish to have a contribution made between January 1 and April 15 treated as a contribution for the preceding tax year, please contact the HSA bank. Each payment you make for covered healthcare services you've received from your providers such as a physical exam counts toward your deductible. Once Blue KC processes the claims we receive from your providers showing the payments that you have made for covered healthcare services, we apply those payments toward your deductible. A copayment, or copay, is the dollar amount that you pay to a provider at the time you receive a service.

For example, you might pay a $30 copay each time you visit your allergy doctor. The copay amount is defined in your Blue KC certificate, which outlines your responsibilities for health insurance plan payments. Your children's coverage while they are away from home depends on the type of health insurance plan you have. If you have health insurance through your employer, check with your group benefits administrator for more information. Sometimes providers send statements to their patients before Blue KC has finished processing and paying the claim.

If the provider you saw is out-of-network you will be responsible for paying the provider directly. We will send you a payment for the amount that is covered by your plan. You can view your EOBs and details about your claims, including how much you owe, by logging in and visiting the Claims and Usage section. You might see a note on the bill that says "Insurance Pending." We will send you an Explanation of Benefits once we have processed your claim. If you are still unsure if you owe the provider, call their billing office. Please note, if your provider was not in the Blue KC HMO network, you will be responsible for paying all services and fees for seeing that provider.

A deductible is the amount that you are responsible for paying annually for healthcare services. Exceptions are outlined in your Blue KC certificate, which lists the exclusions related to your health insurance plan. Billed charges are the amount charged or billed by your healthcare provider for the services/supplies you received. Not all provider charges will be paid by your health insurance plan.

If you have health insurance through your employer, check with your group benefits administrator to have a dependent added to your plan. He or she has the information and/or forms you need to add your dependent to your health insurance plan. When you see an out-of-network provider, we send a check to you for the covered amount of those services.

We will send you an EOB that explains how that amount was calculated. When you and your primary care provider determine that you need specialized care, your PCP will "refer" you to a specialized provider from our trusted team. A referral is required by your HMO health plan before the plan will cover certain services.

An international student can request a waiver by providing alternate health insurance coverage. To be approved for the waiver, your alternate health coverage must meet or exceed the requirements set in the System regulation, be PPACA compliant, and will need to provide the required documentation. In addition, for future reference the UT System has established new criteria determining when an international student can request a waiver by providing alternate health insurance coverage. In order to be approved for the waiver, your alternate health coverage must meet or exceed the requirements set in the System regulation, be PPACA compliant and you will need to provide the required documentation. Waivers approved by our office during past semesters may no longer qualify to replace the UT SHIP due to the new requirements of the Patient Protection and Affordable Care Act. Academic Health Plans administers the Student Health Insurance Plan that is underwritten by Blue Cross Blue Shield of Texas.

All international students (any student who is in the U.S. on a non-immigrant visa) are required to have UTSHIP. Give the following article a thorough read to find out how to read a blue cross blue shield insurance card. Offering health insurance for individuals, families, employers and Medicare, our health plans give you coverage that's focused on your health and well-being. We are here to help answer your questions and find the plan that fits your needs. The maximum amount that may be contributed to your HSA for any year is a certain amount established annually by the IRS.

This amount depends on whether you have individual or family coverage under your qualified high-deductible health plan. The same annual contribution limit applies regardless of whether the contributions are made by an employee, an employer or both. Use your HSA debit card or other means provided by your HSA bank to pay for qualified medical expenses. You should only use the debit card at healthcare-related locations.

This may include an Internet transaction as long as the items being purchased are qualified medical expenses. You may also use your HSA debit card for online capabilities such as online bill pay. Many people are insured under more than one health and/or dental insurance plan at the same time. Because of dual insurance, Medicare Secondary Plans and Coordination of Benefit requirements, Blue KC needs to determine primary insurance based on the facts of each situation. Most health insurance and dental plans include a COB provision that defines these requirements.

This provision prevents payments from all Plans from exceeding the total allowable expense. Yes, you must pay your copayment when you see your in-network provider. Your copayment amount depends on the health insurance plan you have and the services you are receiving from your provider. People sometimes have insurance coverage under more than one health plan, so we periodically send a survey to our members asking them if they have other coverage.

This is to ensure that claims are processed correctly and that overpayments are not made. We see significant cost savings by coordinating payments with other insurers—savings that ultimately result in more affordable premiums for our members. Each covered member of your family may choose his or her own primary care provider , and choosing the right one is important. There are many different types of PCPs, including general practitioners, internists, pediatricians, family medicine physicians, and nurse practitioners. To choose the best fit for you or your family member, begin by asking for recommendations from the people you trust.

You should also consider each PCP's distance and accessibility from your work or home. Most importantly, talk with us to be sure that the practice can meet your personal health care needs. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company , or their affiliates . The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. As a Blue Cross Blue Shield member, you and your covered dependents can receive treatment while traveling, including outside the United States.