Paying your Blue Cross health plan premium

Your member ID # can be found on your Member ID card. 

New members receive a print ID card in the mail within a few weeks after their plan takes effect. 

Existing members with an online account can log into the member portal or member app to view their digital ID card.  

If you do not have your card or a member account, call 651-662-8000 or 1-800-382-2000, TTY 711.
 

• Individual and family medical plans are billed monthly. 
• Medicare and dental plans can choose their frequency: annual, semi-annual, quarterly or monthly. 
• Vision plans are only billed and paid annually. 

If you have a premium balance, invoice generation begins around the 7th of each month and is generally completed by the 15th of each month. New member enrollment or other plan changes processed after the 7th of each month will be displayed on the next month’s invoice, if you have a premium balance. Note: It may take 7-10 business days to receive your invoice in the mail.

For example: If you received your plan enrollment confirmation after December 7, for a January 1 coverage start date, and had a premium balance, you would be billed by January 15 for both your January and February premiums. 

If you overpay your premium for an active plan, we’ll apply the overpayment to future premiums unless you request a refund. If you overpaid your premium for a termed or canceled plan, we will mail your refund. Refunds for premiums paid from your Social Security or Railroad Retirement benefits cannot be refunded by Blue Cross. 

For help with an overpayment, you can log in to your member account and send a secure message or call customer Customer service Service at the number on the back of your member ID card.  

Your medical, vision or dental plan premium needs to be paid before your plan coverage begins or continues. Your coverage may have a grace period. This is when coverage continues even though your premium for the upcoming period has not been paid.

Your medical, vision or dental plan premium needs to be paid before your plan coverage begins or continues. Your coverage may have a grace period that starts on the day after the initial premium due date. Coverage continues during the grace period as long as you pay your premium by the end of the grace period. 

The length of the grace period varies based on the plan and how it was purchased. 

• Individual and family medical plans:
  • If you purchased your health plan through MNsure and are getting advance payments of the premium tax credit, you have a grace period of 90 consecutive days if you have paid all past due premiums through the current month.
  • If you purchased your health plan directly from us or you bought it through MNsure and are NOT getting advance payments of the premium tax credit, we allow a 31-day grace period for premium payment (rather than 90 days).
• Medicare medical plans: 
  • We allow a 31 calendar-days grace period for Medicare Supplemental plan premium payments. (If your contract terminates, we must receive a written contract reinstatement request within 63 calendar days from your termination date.)
  • We allow a 90 calendar-days rolling grace period for all other Medicare plans.
• Dental and vision plans:
  • We allow a 31 calendar-days grace period for plan premium payments.

Premium payments for medical, dental and/or vision plans must be made by the end of the grace period to avoid termination/cancellation of your health plan due to non-payment. For additional information about termination/cancellation of your health plan, see your plan contract or contact Customer Service using the number on the back of your member ID card. 

If you are using eBill, log in to cancel your automatic payments. 

If you are using the Pay-It-Easy program, notify Blue Cross by calling customer service or sending a letter if you decide to cancel your Pay-It-Easy payments or you need to change your account information. Allow up to 14 business days to process your request once it is received.

If you don’t have enough money in your account to cover your premium(s), your bank may charge you a penalty and you may be removed from the Pay-It-Easy program. 

If you are having trouble paying your premium on time, contact Customer Service to see if we can direct you to programs that may help you with your plan premium.

Yes. You will continue to receive a mailed invoice until you turn off paper invoices in your eBill member profile account settings or Customer Service sets up recurring payments from your bank account on your behalf.

Yes. After you confirm your email address in your eBill member profile account settings, you are automatically enrolled for all email notifications. This includes general payment messages (payment processing, received, etc.), billing messages (bill available, saved credit card is expiring, etc.) and recurring payment messages, if applicable. 

You can adjust these notifications at any time in your eBill account settings. 

No. You must complete a separate Pay-It-Easy form for each member/policy.

Your billing account number can be found on your premium invoice. You can also call the customer service number on the back of your member ID card to reach someone who can help you with your specific plan. If that has not arrived yet, call 651-662-8000 or 1-800-382-2000 TTY 711. 

A delinquency letter will be generated around the 10th of each month if we haven’t received your payment by the due date on the invoice. If you have already paid your bill, or set up automatic recurring payments, you don’t need to do anything. Payments made after the invoice date will be reflected on your next month’s bill.

If you have questions about whether a payment has been received, please contact Customer Service using the number on the back of your member ID card. You can use an automated 24/7 system or speak to someone directly during operating hours.