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How do I submit a Master Medical claim?

Who is this for?

Michigan Health Insurance - Customer Service - How do I submit a Master Medical claim?

If you have a plan through your employer that includes Master Medical, you can use this information to submit a claim for reimbursement. 

Sometimes, the traditional health insurance plan you get through your employer doesn’t cover the health care service you need, and those medical expenses can add up fast. 

Master Medical is an additional plan that can help. It picks up where your traditional coverage stops and covers a portion of your out-of-pocket medical expenses.

To get back the money you paid for covered services, you need to submit a Master Medical claim. A claim is basically a request for reimbursement.

We’re upgrading our computer systems to make the Master Medical claims process faster and easier. You’ll need to continue using the current system until you receive a notice that we’ve transferred you over to the new system.

Tip: Don't wait too long to file a claim. After you receive a health care service that you'll need to be reimbursed for, you have until 180 days after the end of that year to submit a claim.

New Master Medical claims process

We now pay participating health care professionals directly, so you don’t have to worry about submitting claims and waiting to get reimbursed. You’ll only need to submit claims for prescription drugs and services provided by nonparticipating health care professionals.

What you need to do

Follow these steps if you’ve received our letter explaining the new Master Medical reimbursement process:

  1. Pay for the health care service or prescription when you receive it.
  2. Fill out the Member Application for Payment form (PDF).
  3. Staple or paper clip your original receipts to the form.
  4. Mail the form to:

Blue Cross Blue Shield of Michigan
Member Claims Mail Code 0010
600 E. Lafayette Blvd.
Detroit, MI 48226-2998

Do you get your health insurance through a nonprofit or religious organization?

Certain nonprofit organizations may not cover all the essential health benefits required by the Affordable Care Act. For example, some religious organizations don't cover women's contraceptive services. In these cases, we can reimburse you for the cost of the service. Just follow these steps:

  1. Pay for the health care service or prescription when you receive it.
  2. Fill out the Member Application for Payment Form for Religious Organizations (PDF).
  3. Staple or paper clip your original receipts to the form.
  4. Mail the form to:

Blue Cross Blue Shield of Michigan
Religiously Accommodated Members
Imaging and Support Services Mail Code 0010
P.O. Box 441550
Detroit, MI 48244-1550

Current Master Medical claims process

Check with your doctor before submitting your claim. Your doctor can submit a claim for your Master Medical services along with the claim for services covered by your traditional health care plan. Otherwise, you’ll need to submit the claim yourself.

What you need to do

Follow these steps if you haven’t received our letter about the new Master Medical reimbursement process yet:

  1. Pay for the health care service or prescription when you receive it.
  2. Fill out the Master Medical Claim form (PDF).
  3. Staple or paperclip your original receipts to the form.
  4. Mail the form to:

Blue Cross Blue Shield of Michigan
Member Claims Mail Code 0010
600 E. Lafayette Blvd.
Detroit, MI 48226-2998

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