What happens to my coverage if I don’t pay my bill on time?

You pay in advance for your coverage.

You confirm your enrollment when you make your first payment. So it’s important that you pay your bill on time and in full. If you don’t, your plan could be canceled. You'll have some time to pay your bill after the due date. This is called a grace period.

If your payment doesn’t go through or you don’t have enough money in your account to make the full payment, we’ll send you a letter to let you know. As soon as you know, call the customer service number on the back of your Blues ID card. We’ll take your payment over the phone, so you don’t have to worry about an interruption in your coverage.

What happens to your claims

You may have to pay for health care services during your grace period. Unless your plan has been canceled, we'll start your coverage back up as soon as we get your payment.

If you're eligible for the Advanced Premium Tax Credit, your claims will be processed differently than normal during the grace period.

  • During the first month, we'll pay your claims normally.
  • During the second and third months, your claims will be pending. That means they'll be held by us and will not be paid. 
  • After three months, we'll cancel your coverage, and you'll be responsible for any pending claims.
If you're not eligible for the Advanced Premium Tax Credit or bought your plan directly from us, your grace period is one month. During that time, your claims will be processed normally.

What happens to your coverage

If you wait too long, we’ll cancel your coverage. When we cancel it depends on how you bought your plan.

  • If you bought your plan on the Health Insurance Marketplace at healthcare.gov and you’re eligible for the Advanced Premium Tax Credit, we’ll cancel after three months.
  • If you bought your plan on the Health Insurance Marketplace and you’re not eligible for the Advanced Premium Tax Credit, we’ll cancel after one month.
  • If you bought your plan directly from us and didn’t use healthcare.gov, we’ll cancel after one month.

©1996-2016 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. We provide health insurance in Michigan.

State and Federal Privacy laws prohibit unauthorized access to Member's private information. Individuals attempting unauthorized access will be prosecuted.

Site Map  |  Feedback  |  Important Legal and Privacy Information

Explanation of Level A Conformance
Better Business Bureau Online Seal of Reliability