Answers to frequently asked questions about your Blue Cross or Blue Plus health plan
This is general information that applies to most health plans. If you do not find what you're looking for, call the customer service number on the back of your member ID card.
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.
Log in to your member account 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.
Log in to your member account to see information about your prescription drug coverage.
Get help understanding your prescription drugs coverage
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.
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.
Log in to your member account to see a list of your recent claims.
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 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.
You can find general forms on the forms page.
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.
We know switching doctors can be hard — especially if you’re in the middle of treatment. That’s why we offer a continuity of care program for members when their provider leaves our network.
This allows members with qualifying conditions to keep seeing their current doctor for a short time to ensure their care isn’t interrupted.
You may qualify for continued care with claims paid as an in-network provider if you are engaged in a current course of treatment for one or more of the following:
Contact us right away if you think you may qualify for continuity of care.
Blue Cross has many health plans, and doctor networks may be different for each plan. Be sure to select your network before you conduct your search so you’ll only see who’s covered by your plan.
Search for a doctor online if you get insurance on your own, through an employer or you have a Medicare plan.
Medical Assistance (Medicaid) members can search for doctors here.
For best results, log in to your member account. If you have employer coverage and you have a separate prescription member ID card, be sure to visit the website noted on that card.
Learn more about understanding prescription drug coverage
Finding a covered dentist depends on whether you have a separate Blue Cross Dental plan (with a separate ID card) or not.
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.
To see the health programs and discounts that come with your plan, log in to your member account.
You’ll receive an ID card for you and for each covered family member within a few weeks after your plan takes effect.
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.
Yes, you can log in to your member account to see and send a digital version of your ID card.
We accept payments online for some health plans. See if you have online billing when you log in to your member account. Another option is to set up an automatic payment by sending us a completed form.
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.
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 view more about cancelling your plan.
You can get help with your member account password here.
Call the service number on the back of your member ID card. Technical support is available during normal customer service hours.
8 a.m. to 8 p.m. Central Time, daily.
While we are required to send some things via the mail, other communication can be sent to your personal email address. Log in to your member account 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.