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.
After making your first payment, you'll have a grace period if you don't pay your bill on time. You'll need to pay anything you owe by the time the grace period ends. If you don't, you could risk losing your coverage.
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 Blue Cross ID card. We’ll take your payment over the phone so you'll be able to use your coverage.
If you don’t pay your bill on time, you will enter a grace period. If we do not receive payment in full, you may have to pay for any health care services you received during your grace period. Unless your plan has been canceled, we’ll start your coverage back up as soon as we get your payment in full.
If you are not eligible for the advance premium tax credit or you bought your coverage directly from us, your grace period is 31 days. During that time your claims will be pended.
If you’re eligible for and receiving the advance premium tax credit, your claims will be processed differently than normal during a 90-day grace period.
A retroactive denial may occur after a service is performed and your provider has billed us for this service. Retroactive denials can occur when:
To prevent retroactive denials:
If you wait too long to make your payment in full, we’ll cancel your coverage. When we cancel it depends on how you bought your plan.