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Frequently Asked Questions
- What are my payment options?
- By when do I need to make my payment?
- How do I make changes to my personal information?
- What is my deductible?
- What is my copayment?
- What is my annual copay maximum?
- What is my waiting period?
- I'm traveling outside of Michigan. Will I have health care coverage?
- Are prescription drugs covered when I travel?
- How can I get a copy of my certificates and riders?
- How can I find out more about Medicare Supplemental plans?
What are my payment options?
Our automatic bill payment plan allows you to transfer your premium payment automatically from your checking or savings account. If you choose to pay on a monthly or bi-monthly schedule, you must enroll in this plan. To enroll, complete the Automatic Payment Form..
To pay by mail, please send your check or money order to:
Blue Cross Blue Shield of Michigan
P.O. Box 553174
Detroit, MI 48255-3174
If you choose to pay on a quarterly, semi-annual or annual schedule, you can choose either payment option.
Return to topBy when do I need to make my payment?
Your individual policy is a pre-paid plan, so you pay for your coverage in advance. If we don't receive your payment by the due date of your bill, your coverage will be put on hold. We will advise your doctor, hospital or pharmacy that you are responsible for any claims until we receive your payment. If we don't receive your payment within 30 days of the due date, your coverage will be cancelled and you must wait one year to reapply for any individual Blues product.
How do I make changes to my personal information?
A Change of Status Form is included quarterly with your premium bill. This form may be used to change your coverage options, billing address and phone number, and to add or remove dependents. Fill out the form, then mail or fax it to us using the address or fax number provided on the form.
What is my deductible?
A deductible is an amount you must pay each year before your plan begins to pay for covered benefits. Your deductible is listed in your benefits summary. If you have a family contract, one or more family members must meet the family deductible before services are covered. Most benefits, including office visits and prescription drugs, are subject to the deductible requirements.
What is my copayment?
A copay is a flat dollar amount or a percentage of the BCBSM-approved amount that is your responsibility when you receive care. Your copays are listed in your benefits summary.
What is my annual copay maximum?
This is the highest dollar amount a member or a family pay in copays each year. Your copay maximum is listed in the benefits summary.
What is my waiting period?
There are two types of waiting periods that start when your policy becomes effective. The first is a 90-day waiting period for preventive services and mammography. The second is a 180-day waiting period for pre-existing conditions. Your pre-existing waiting period may be waived if you've met HIPAA eligibility criteria and have had 18 months of creditable coverage. Call the number on the back of your ID card to find out if this applies to you. You will need to send a Certificate of Creditable Coverage from your former health carrier other than BCBSM to:
Fax:
Blue Cross Blue Shield of Michigan
313-463-6443
Mail:
Blue Cross Blue Shield of Michigan
600 E. Lafayette Blvd.
Mail Code BP210
Detroit, MI 48226
Preventive dental services have a 90-day benefit waiting period. There is no waiting period for vision benefits.
I'm traveling outside of Michigan. Will I have health care coverage?
Blues members take their health care benefits with them — across the country and around the world. Find a network doctor now, or if you need help finding a doctor or hospital while you're traveling, call 800-810-BLUE (2583).
Are prescription drugs covered when I travel?
Your prescription drug coverage can also be used across the country and around the world. Coverage will vary based on network and non-network rules. If you use a pharmacy in our network or a retail pharmacy participating in the MedImpact network outside of Michigan, your prescription drug claims will be paid according to your plan benefits. If you are traveling outside of Michigan, check with the pharmacy to make sure they are in the MedImpact network before you fill your prescription.
You can find our approved list of prescription drugs by clicking here.
How can I get a copy of my certificates and riders?
A certificate is a legal document approved by Michigan's Office of Financial and Insurance Regulation. A rider is a legal document that amends a certificate by increasing, limiting, deleting or clarifying the scope of coverage. Your certificate lists the terms, benefits and limitations of your health care coverage, and includes any riders that amend the certificate. You can view and print copies of your certificates and riders through Member Secured Services.
How can I find out more about Medicare Supplemental plans?
If you are looking for Medicare Supplemental plans please call 877-4MY-BLUE (877-469-2583)
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