Blue Cross Blue Shield is one of the most popular health insurance providers in the country.
They’ve been operating since 1929 and have insurance options in all 50 states.
Currently, Blue Cross Blue Shield serves 107 million people in the United States alone, and the vast majority of doctors and hospitals accept this insurance.
Their wide acceptance makes them a popular choice for millions of people, but how great is Blue Cross Blue Shield when it comes to your insurance needs?
Pros and Cons of Blue Cross Blue Shield
When selecting a type of insurance, it’s always helpful to look at all of the pros and cons.
While Blue Cross Blue Shield is undeniably a great choice, it does have some downsides as well.
Blue Cross Blue Shield Insurance Plans Review
Because insurance is regulated at the state level, Blue Cross Blue Shield has different options for different states.
The following is a description of the different types of plans you can buy from Blue Cross Blue Shield.
Although there are many different types of plans, these are the most popular options offered by Blue Cross Blue Shield.
Preferred Provider Organization
The PPO options will vary from state to state.
Blue Cross Blue Shield is such a common insurance policy, that the majority of healthcare providers will be set up to take them.
This means that their PPO network is going to have a lot of options for you.
As a rule, a PPO is going to be a lot easier to use than an HMO.
PPO’s give you greater flexibility and access to care.
With Blue Cross, this flexibility is amplified by their size and widely accepted insurance policies.
Preferred Provider Organizations, or PPOs, are plans that allow you to have medical service within your provider network and then a little bit outside of the network.
Essentially, with a PPO, you pay a lot less upfront, but you are limited in who you can see.
PPO plans are great for those who live in larger cities where there’s a lot of different provider choices, and you can get them at virtually every level for individuals and families.
"DR. DODO" SAYS SHOP AROUND!
Health Maintenance Organization
Health Maintenance Organizations, or HMO plans, are one of the most popular Blue Cross Blue Shield’s offerings.
This plan keeps costs low by letting you only use providers within your network. If you want to go outside the network, you can expect to pay the total fee or close to the full cost.
It varies from PPO because, with PPO, you can go outside of your network and just pay a little bit extra. Ultimately, most people wind up going with an HMO.
Blue Cross Blue Shield Providers
The biggest question that most people have when looking at different insurance options is how to find out about the providers in their network.
Of course, that’s one of the top questions that you will have if you need to see any different kinds of specialists.
Fortunately, there’s a relatively easy way to check on what providers are available to you through Blue Cross Blue Shield.
Simply look at the provider list from your state, and make sure that they have doctors or specialists that you want to see.
You can do this by getting a physical copy of your insurance information or by going online for the most recent data.
Blue Cross Blue Shield Mental Health Providers
Similarly, you can find a list of Blue Cross Blue Shield’s mental health providers online or in their print materials.
All medically determined mental health treatment and conditions are covered under Blue Cross Blue Shield.
As with any other aspect of this health insurance, it’s just imperative that you find a provider in your network, especially if you have an HMO.
Flexible Spending Account
According to several of the Blue Shield websites, they do not actually offer Flexible Spending Accounts.
They have a partnership with a company called Ceridian, which would handle the set up and administration of a Flexible Spending Account for Blue Cross or Blue Shield customers.
A Flexible Spending Account, or FSA, is when you can set aside tax-free money to pay for your healthcare.
You can also use an FSA for childcare.
If you want, you can even ask your employer to take money out of your paycheck to put into your FSA.
tips for success!
If your health insurance policy has a high deductible, you should set up a Flexible Spending Account. Using this account to pay your deductible or copay is a great way to lower your IRS tax bill because FSA contributions are tax deductible.
Blue Cross Blue Shield’s partner Ceridian offers several FSA options where you can even roll over existing money year by year.
Sometimes, you can rollover all of the money, and occasionally, you might be able to roll over a certain amount.
This article is being written in 2021 and currently, all of your old FSA money can be rolled over due to the COVID-19 pandemic, but rules can and do change often regarding what you can do with your FSA.
It’s always best to read the fine print or consult with an insurance professional before you do anything else.
Health Savings Account
A Health Savings Account, or HSA, is very close to an FSA, with a tiny exception.
HSAs are only available for expenses that qualify as medically needed.
Whereas FSAs can be used for all manner of costs related to your health and childcare, like gym visits or even vitamins, HSAs are more limited in their scope.
These contributions are totally tax-deductible, and like FSAs, can be rolled over year by year depending on the scope of your plan.
Health Reimbursement Arrangement
Health Reimbursement Arrangements, also known as HRAs, are specifically designed for smaller employers.
Many employers want to give their employees health insurance, but they simply can’t afford complete packages.
This is where HRAs come in. HRAs are similar to emergency insurance in that they set aside a bit of money for employees who have medical needs or expenses.
These expenses are reimbursed to the employees after the fact and are tax-free.
Medicare Advantage and Medicare Part D Prescription Drug Plans
If you qualify for Medicare, you know that there are a lot of options when it comes to your supplemental coverage package.
Medicare Advantage plans allow the customer to pay a little more out of pocket to increase their coverage.
This is a good way to go for most people because of the increased use of the medical system after age 65.
Blue Cross Blue Shield also offers Part C and Part D options.
Part C plans pay all the benefits provided by parts A and B, but also offer additional wellness program coverage, hearing and vision assistance benefits, and lower out of pocket maximum costs.
According to JD Power and Associates 2020 study of the best Medicare Advantage plans, Anthem Blue Cross scored below the industry average for customer satisfaction.
Blue Cross Blue Shield Insurance Costs
Blue Cross Blue Shield’s insurance costs vary widely depending on what kind of plan you need and whether or not you’re filing as an individual or a family.
On average, individuals pay roughly $574 for insurance every month, and families pay $1,634.
Depending on your income level, you might be eligible for discounts or other support as a part of the Affordable Care Act.
Large employers use Blue Cross Blue Shield to provide health insurance benefits to their employees.
We recommend using your employer’s health insurance if possible since they will pick up 50% or more of your monthly premium costs.
Blue Cross Blue Shield Reviews And Ratings
Blue Cross Blue Shield is highly rated across most states, although each one has its own individual rating.
According to the National Committee for Quality Assurance, all Blue Cross Blue Shield plan providers across the nation are accredited.
They traditionally score roughly around A or A- and are usually very highly rated by individuals as well.
Blue Cross Blue Shield’s size, as well as its reputation, probably contribute to these high ratings.
Although Blue Cross Blue Shield tends to rate reasonably high, there are some problems that people have had.
Many people complain about the website not listing the fine print about products or services.
Also, many people have had issues with collections and billing.
Although Blue Cross Blue Shield tends to respond to the vast majority of its complaints, there are several that remain unresolved.
"DR. DODO" SAYS SHOP AROUND!
Alternative Healthcare Insurers: Humana vs. Blue Cross Blue Shield
Indeed, you will want to compare different healthcare providers before making an informed decision about who to go with.
One of the other popular carriers is Humana.
Humana has 14 million customers across the country and is rapidly becoming a massive healthcare giant.
It handles quite a few different services, including small business healthcare and Medicare.
Humana is a newer company, started in 1961, and has a higher Better Business Bureau rating at A+.
One of the biggest perks of going with Humana over Blue Cross Blue Shield is that there are plenty of different plans to choose from, and many of them are relatively inexpensive.
Their Humana Part D 2020 plans include the Walmart Value RxPlan, which retails for a mere $13.20 per month.
This is excellent news for those who are on a budget.
It’s substantially less expensive than a lot of Blue Cross Blue Shield’s plans.
Humana Medicare Advantage is also a private take on Medicare and another good option for people who are looking at saving some extra money.
Humana also has an online pharmacy and a savvy mobile app that you can purchase all of your medications through.
On the other hand, Blue Cross Blue Shield offers its Blue365 program, which gives you massive discounts on all sorts of great things, like gym memberships, healthy food, supplements, workout items, vitamins, and other items that fall under its umbrella.
It’s a great way to maximize your insurance and prompt yourself to get a few extra workouts in as well.
Blue Cross Blue Shield also offers GeoBlue plans for those who are traveling or working outside of the United States for a long period of time.
It’s generally a lot less expensive than travel insurance, and it’s an excellent way to keep your insurance active while you are traveling out of the country.
Additionally, Blue Cross Blue Shield is accepted in many more places as opposed to Humana.
The Bottom Line
The choice of where to get your insurance is a personal one, and it’s essential to look at all of your options before making the call. Blue Cross Blue Shield is an excellent choice with a few drawbacks, but if you are someone who enjoys a lot of flexibility, works abroad, or wants discounts on gym memberships and gear, it might be great for you.
Alabama Blue Cross Blue Shield
Blue Cross Blue Shield of Alabama Providers
- Total BCBS Alabama Members: 2.9M+
- Hospitals in Blue Cross Blue Shield of Alabama Network: 112+
- Primary Care Physicians and Specialists in Network: 9.6K+
Blue Cross Blue Shield of Alabama Address
BCBS Alabama Claims Address
https://www.bcbsal.org/web/contact/index.html
Corporate Office Address
450 Riverchase Parkway East
Birmingham, Alabama 35244
Blue Cross of Alabama Phone Number
BCBS Alabama Customer Service Number
https://www.bcbsal.org/web/contact/index.html
Federal Employees 1-800-492-8872
All Other Blue Cross Members 1-800-292-8868
Alaska Blue Cross Blue Shield
Blue Cross Blue Shield of Alaska Providers
- Total BCBS Alaska Members: 1.7M+
- Hospitals in Blue Cross Blue Shield of Alaska Network: 29
- Primary Care Physicians and Specialists in Network: 5k+
Blue Cross Blue Shield of Alaska Address
BCBS Alaska Claims Address
Claims
PO Box 91059
Seattle, WA 98111-9159
Blue Cross of Alaska Phone Number
BCBS Alaska Customer Service Number
Customer Service 800-722-4714
Care Management 844-996-0332
Pharmacy Services 888-261-1756
Arizona Blue Cross Blue Shield
Blue Cross Blue Shield of Arizona Providers
- Total BCBS Arizona Members: 1.5M+
- Hospitals in Blue Cross Blue Shield of Arizona Network: 75+
- Primary Care Physicians and Specialists in Network: 15.7K+
Blue Cross Blue Shield of Arizona Address
BCBS Arizona Claims Address
https://www.azblue.com/contact-us-for-members
Blue Cross Blue Shield of Arizona
P.O. Box 2924
Phoenix, AZ 85062-2924
Blue Cross of Arizona Phone Number
BCBS Arizona Customer Service Number
Phoenix 800-232-2345
Tucson 800-752-0193
Flagstaff 800-423-6484
Federal Employee Program 800-345-7562
Arkansas Blue Cross Blue Shield
Blue Cross Blue Shield of Arkansas Providers
- Total BCBS Arkansas Members: 1.6M+
- Hospitals in Blue Cross Blue Shield of Arkansas Network: 80+
- Primary Care Physicians and Specialists in Network: 6.1K+
Blue Cross Blue Shield of Arkansas Address
BCBS Arkansas Claims Address
https://www.arkansasbluecross.com/support/contact-us
Arkansas Blue Cross and Blue Shield
P.O. Box 2181
Little Rock, AR 72203-2181
Blue Cross of Arkansas Phone Number
BCBS Arkansas Customer Service Number
https://www.arkansasbluecross.com/support/contact-us
Main Number 800-238-8379
Metallic Plan Members 800-800-4298
California Blue Cross Blue Shield
Blue Cross Blue Shield of California Providers
- Total BCBS California Members: 12.5M+
- Hospitals in Blue Cross Blue Shield of California Network: 336+
- Primary Care Physicians and Specialists in Network: 87K+
Blue Cross Blue Shield of California Address
BCBS California Claims Address
BlueCard out-of-area program:
Blue Shield of California
P.O. Box 1505
Red Bluff, CA 96080-1505
CalPERS
Blue Shield of California, CalPERS
P.O. Box 272540
Chico, CA 95927-2540
Federal Employee Program
Blue Shield of California, FEP
P.O. Box 272510
Chico, CA 95927-2510
Short-term claims for Blue Shield Life & Health Insurance Company
Blue Shield Life & Health Insurance Company
P.O. Box 9000
London, KY 40742
Blue Shield Medicare Advantage
Blue Shield Medicare Advantage Plan
P.O. Box 272640
Chico, Ca 95927-2640
Blue Shield of California Promise Health Plan Medicare
Blue Shield of California Promise Health Plan
P.O. Box 272660
All Other Blue Shield Plans
Blue Shield of California
P.O. Box 272540
Chico, CA 95927-2540
Blue Cross of California Phone Number
BCBS California Customer Service Number
BlueCard out-of-area program 800-622-0632
CalPERS 800-541-6652
Federal Employee Program 800-824-8839
Short-term claims for Blue Shield Life & Health Insurance Company 866-510-8778
Blue Shield Medicare Advantage 800-541-6652
All Other Blue Shield Plans 800-541-6652
Colorado Blue Cross Blue Shield
Blue Cross Blue Shield of Colorado Providers
- Total BCBS Colorado Members: 1.4M+
- Hospitals in Blue Cross Blue Shield of Colorado Network: 112
- Primary Care Physicians and Specialists in Network: 8.3K+
Blue Cross Blue Shield of Colorado Address
BCBS Colorado Claims Address
Anthem BCBS of Colorado & Nevada P.O. Box 5747 Denver, CO 80217-5747
Blue Cross of Colorado Phone Number
BCBS Colorado Customer Service Number
https://www.anthem.com/contact-us/colorado/
General Assistance 1-800-331-1476
Individual & Family Plans 1-855-875-1587
Medicare Supplement and Medicare Advantage Plans 1-855-815-9993
Medicare Part D Plans 1-855-815-9989
Employer Plans 1-877-232-7632
Connecticut Blue Cross Blue Shield
Blue Cross Blue Shield of Connecticut Providers
- Total BCBS Connecticut Members: 990K+
- Hospitals in Blue Cross Blue Shield of Connecticut Network: 46
- Primary Care Physicians and Specialists in Network: 10.7K+
Blue Cross Blue Shield of Connecticut Address
BCBS Connecticut Claims Address
https://www.anthem.com/contact-us/connecticut/
Anthem BCBS of CT P. O. Box 533 North Haven, CT 06473- 0533
Blue Cross of Connecticut Phone Number
BCBS Connecticut Customer Service Number
General Assistance 1-800-331-1476
Individual & Family Plans 1-855-875-1590
Medicare Supplement and Medicare Advantage Plans 1-855-815-9986
Medicare Part D Plans 1-855-815-6184
Employer Plans 1-866-795-0722
Delaware Blue Cross Blue Shield
Blue Cross Blue Shield of Delaware Providers
- Total BCBS Delaware Members: 460K+
- Hospitals in Blue Cross Blue Shield of Delaware Network: 40+
- Primary Care Physicians and Specialists in Network: 3.1K+
Blue Cross Blue Shield of Delaware Address
BCBS Delaware Claims Address
https://www.highmarkbcbsde.com/login/#/customerService/by-phone
Highmark Blue Cross Blue Shield
P.O. Box 226
Pittsburgh, PA 15230
Blue Cross of Delaware Phone Number
BCBS Delaware Customer Service Number
https://www.highmarkbcbsde.com/login/#/customerService/by-phone
Customer Service 1-800-294-9568
Florida Blue Cross Blue Shield
Blue Cross Blue Shield of Florida Providers
- Total BCBS Florida Members: 4.9M+
- Hospitals in Blue Cross Blue Shield of Florida Network: 240+
- Primary Care Physicians and Specialists in Network: 48.6K+
Blue Cross Blue Shield of Florida Address
BCBS Florida Claims Address
https://www.floridablue.com/general/contact-us
Florida Blue
P. O. Box 1798
Jacksonville, FL 32231-0014
Blue Cross of Florida Phone Number
BCBS Florida Customer Service Number
https://www.floridablue.com/general/contact-us
Customer Service 1-800-352-2583
Medicare Members 1-800-926-6565
Georgia Blue Cross Blue Shield
Blue Cross Blue Shield of Georgia Providers
- Total BCBS Georgia Members: 3.6M+
- Hospitals in Blue Cross Blue Shield of Georgia Network: 151+
- Primary Care Physicians and Specialists in Network: 25.9K+
Blue Cross Blue Shield of Georgia Address
BCBS Georgia Claims Address
https://www.anthem.com/contact-us/georgia/
Anthem Blue Cross Blue Shield P.O. Box 105187 Atlanta, GA 30348-5187
Blue Cross of Georgia Phone Number
BCBS Georgia Customer Service Number
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-875-5569
Medicare Supplements and Medicare Advantage Plans 1-855-815-6181
Medicare Part D Plans 1-855-815-6178
Employer Plans 1-866-869-7207
Hawaii Blue Cross Blue Shield
Blue Cross Blue Shield of Hawaii Providers
- Total BCBS Hawaii Members: 724K+
- Hospitals in Blue Cross Blue Shield of Hawaii Network: 25+
- Primary Care Physicians and Specialists in Network: 3.3K+
Blue Cross Blue Shield of Hawaii Address
BCBS Hawaii Claims Address
HMSA-- BlueCard Department P.O. Box 2970 Honolulu, HI 96802
Blue Cross of Hawaii Phone Number
BCBS Hawaii Customer Service Number
General Inquiries & Claims 1-800-776-4672
Idaho Blue Cross Blue Shield
Blue Cross Blue Shield of Idaho Providers
- Total BCBS Idaho Members: 550K+
- Hospitals in Blue Cross Blue Shield of Idaho Network: 52+
- Primary Care Physicians and Specialists in Network: 875+
Blue Cross Blue Shield of Idaho Address
BCBS Idaho Claims Address
https://providers.bcidaho.com/contact-us/contact-provider-relations.page
Blue Cross of Idaho
P.O. Box 7408
Boise, ID 83707
Blue Cross of Idaho Phone Number
BCBS Idaho Customer Service Number
https://members.bcidaho.com/plan-information/membership-info-customer-service.page
Customer Service 1-888-494-2583
Illinois Blue Cross Blue Shield
Blue Cross Blue Shield of Illinois Providers
- Total BCBS Illinois Members: 8.5M+
- Hospitals in Blue Cross Blue Shield of Illinois Network: 2.2K+
- Primary Care Physicians and Specialists in Network: 83.9K+
Blue Cross Blue Shield of Illinois Address
BCBS Illinois Claims Address
https://www.bcbsil.com/provider/claims/claim_submission.html
Blue Cross Community Health Plans, c/o Provider Services, P.O. Box 3418, Scranton, PA 18505
Blue Cross Community MMAI (Medicare-Medicaid Plan), c/o Provider Services, P.O. Box 4168, Scranton, PA 18505
Blue Cross Medicare Advantage, c/o Provider Services, P.O. Box 3686, Scranton, PA 18505
Blue Cross of Illinois Phone Number
BCBS Illinois Customer Service Number
https://www.bcbsil.com/contact-us
Customer Service 800-538-8833
Pharmacy Program 800-423-1973
Medicare Supplement Customer Service 877-384-9297
Medicare new Enrollment 800-646-3000
Indiana Blue Cross Blue Shield
Blue Cross Blue Shield of Indiana Providers
- Total BCBS Indiana Members: 4.4M+
- Hospitals in Blue Cross Blue Shield of Indiana Network: 154+
- Primary Care Physicians and Specialists in Network: 20.3K+
Blue Cross Blue Shield of Indiana Address
BCBS Indiana Claims Address
https://www11.anthem.com/provider/noapplication/f1/s0/t0/pw_g331156.pdf?refer=ahpprovider&state=in
Medical Claims Anthem BCBS PO Box 105187 Atlanta, GA 30348-5187
Blue Cross of Indiana Phone Number
BCBS Indiana Customer Service Number
https://www.anthem.com/contact-us/indiana/
Customer Service
Individuals & Family Plans
Medicare Supplement and Medicare Advantage Plans 1-855-815-0018
Medicare Part D Plans 1-855-8881-6732
Employer Plans 1-866-870-4943
Iowa Blue Cross Blue Shield
Blue Cross Blue Shield of Iowa Providers
- Total BCBS Iowa Members: 1.6M+
- Hospitals in Blue Cross Blue Shield of Iowa Network: 115+
- Primary Care Physicians and Specialists in Network: 9.3K+
Blue Cross Blue Shield of Iowa Address
BCBS Iowa Claims Address
https://www.wellmark.com/Provider/ClaimsAndPayments/PDFs/ElectronicClaimsReportManual.pdf
P.O. Box 9232
Mail Station 4W 284
Des Moines, IA 50306-9232
Blue Cross of Iowa Phone Number
BCBS Iowa Customer Service Number
https://www.wellmark.com/about/contact-us
Customer Service 1-800-524-9242
Blue Dental Plan 877-333-0164
Wageworks Flexible Spending Accounts 877-924-3967
Vision Plans 888-223-9008
Technical Assistance 800-407-0267
Kansas Blue Cross Blue Shield
Blue Cross Blue Shield of Kansas Providers
- Total BCBS Kansas Members: 1.1M+
- Hospitals in Blue Cross Blue Shield of Kansas Network: 145+
- Primary Care Physicians and Specialists in Network: 8.5K+
Blue Cross Blue Shield of Kansas Address
BCBS Kansas Claims Address
Blue Cross and Blue Shield of Kansas
1133 SW Topeka Blvd.
Topeka, KS 66629-0001
Blue Cross of Kansas Phone Number
BCBS Kansas Customer Service Number
https://www.bcbsks.com/CustomerService/Members/contact.shtml
For enrollment information 1-800-438-1565
Blue Cross and Blue Shield of Kansas general inquiries 1-800-432-3990
Other Party Liability department 1-800-430-1274
For hearing impaired customers 1-800-766-3777
Kentucky Blue Cross Blue Shield
Blue Cross Blue Shield of Kentucky Providers
- Total BCBS Kentucky Members: 1.7M+
- Hospitals in Blue Cross Blue Shield of Kentucky Network: 101+
- Primary Care Physicians and Specialists in Network: 13.8K+
Blue Cross Blue Shield of Kentucky Address
BCBS Kentucky Claims Address
https://www11.anthem.com/provider/ky/f5/s5/t1/pw_ad093471.pdf?refer=ahpfooter
Anthem Blue Cross Blue Shield PO Box 105187 Atlanta GA 30348-5187
Blue Cross of Kentucky Phone Number
BCBS Kentucky Customer Service Number
https://www.anthem.com/contact-us/kentucky/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-875-5575
Medicare Supplement and Medicare Advantage Plans 1-855-881-6729
Medicare Part D Plans 1-855-881-6726
Employer Plans 1-877-227-6327
Louisiana Blue Cross Blue Shield
Blue Cross Blue Shield of Louisiana Providers
- Total BCBS Louisiana Members: 1.8M+
- Hospitals in Blue Cross Blue Shield of Louisiana Network: 141+
- Primary Care Physicians and Specialists in Network: 10.7K+
Blue Cross Blue Shield of Louisiana Address
BCBS Louisiana Claims Address
https://www.bcbsla.com/footer/contact-us
P.O. Box 98024
Baton Rouge, LA 70898-9029
Blue Cross of Louisiana Phone Number
BCBS Louisiana Customer Service Number
https://www.bcbsla.com/footer/contact-us
Customer Service 1-800-495-2583
Maine Blue Cross Blue Shield
Blue Cross Blue Shield of Maine Providers
- Total BCBS Maine Members: 348K+
- Hospitals in Blue Cross Blue Shield of Maine Network: 37+
- Primary Care Physicians and Specialists in Network: 4.2K+
Blue Cross Blue Shield of Maine Address
BCBS Maine Claims Address
https://www.candrdirect.com/admin/forms/pressmen_MedicalOutofNetworkClaimsAddress.pdf
Anthem BCBS P. O. Box 533 North Haven, CT 06473-0533
Blue Cross of Maine Phone Number
BCBS Maine Customer Service Number
https://www.anthem.com/contact-us/maine/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-875-6457
Medicare Supplement and Medicare Advantage Plans 1-855-879-7611
Medicare Part D Plans 1-855-879-7608
Employer Plans 1-866-694-6676
Maryland Blue Cross Blue Shield
Blue Cross Blue Shield of Maryland Providers
- Total BCBS Maryland Members: 2.1M+
- Hospitals in Blue Cross Blue Shield of Maryland Network: 60+
- Primary Care Physicians and Specialists in Network: 15.9K+
Blue Cross Blue Shield of Maryland Address
BCBS Maryland Claims Address
https://provider.carefirst.com/providers/news/provider-news-2009-09-10.page
Mail Administrator
P.O. Box 14115
Lexington, Ky., 40512-4115
Blue Cross of Maryland Phone Number
BCBS Maryland Customer Service Number
https://member.carefirst.com/members/contact-us/contact-us.page
ACA Plans through CareFirst 855-444-3122
ACA Plans through Exchange 855-444-3121
Members with Non ACA Plans 800-722-2467
Medigap Members 800-722-2235
Massachusetts Blue Cross Blue Shield
Blue Cross Blue Shield of Massachusetts Providers
- Total BCBS Massachusetts Members: 2.1M+
- Hospitals in Blue Cross Blue Shield of Massachusetts Network: 74+
- Primary Care Physicians and Specialists in Network: 57K+
Blue Cross Blue Shield of Massachusetts Address
BCBS Massachusetts Claims Address
https://www.candrdirect.com/admin/forms/pressmen_MedicalOutofNetworkClaimsAddress.pdf
BCBS of Massachusetts PO Box 986020 Boston, MA 02298
Blue Cross of Massachusetts Phone Number
BCBS Massachusetts Customer Service Number
https://www.bluecrossma.org/aboutus/contact-us
Customer Service 1-800-262-2583
Michigan Blue Cross Blue Shield
Blue Cross Blue Shield of Michigan Providers
- Total BCBS Michigan Members: 4M+
- Hospitals in Blue Cross Blue Shield of Michigan Network: 144+
- Primary Care Physicians and Specialists in Network: 25K+
Blue Cross Blue Shield of Michigan Address
BCBS Michigan Claims Address
https://www.bcbsm.com/providers/quick-links/claims.html
Blue Cross Blue Shield of Michigan
P.O. Box 2599
Detroit, MI 48231-2599
Blue Cross of Michigan Phone Number
BCBS Michigan Customer Service Number
https://www.bcbsm.com/index/plans/michigan-health-insurance/contact-us.html
Customer Service 1-855-237-3501
Minnesota Blue Cross Blue Shield
Blue Cross Blue Shield of Minnesota Providers
- Total BCBS Minnesota Members: 2.6M+
- Hospitals in Blue Cross Blue Shield of Minnesota Network: 135+
- Primary Care Physicians and Specialists in Network: 19.2K+
Blue Cross Blue Shield of Minnesota Address
BCBS Minnesota Claims Address
https://www.bluecrossmn.com/contact-blue-cross-minnesota
BCBS of Minnesota Route S201 P. O. Box 64560 St. Paul, MN 55164- 0560
Blue Cross of Minnesota Phone Number
BCBS Minnesota Customer Service Number
https://www.bluecrossmn.com/contact-blue-cross-minnesota
Customer Service 1-800-382-2000
Mississippi Blue Cross Blue Shield
Blue Cross Blue Shield of Mississippi Providers
- Total BCBS Mississippi Members: 950K+
- Hospitals in Blue Cross Blue Shield of Mississippi Network: 85+
- Primary Care Physicians and Specialists in Network: 5.6K+
Blue Cross Blue Shield of Mississippi Address
BCBS Mississippi Claims Address
Blue Cross & Blue Shield of Mississippi P.O. Box 23071 Jackson, MS 39225-3071
Blue Cross of Mississippi Phone Number
BCBS Mississippi Customer Service Number
https://www.bcbsms.com/about-us/contact-us
Customer Service 800-942-0278
Missouri Blue Cross Blue Shield
Blue Cross Blue Shield of Missouri Providers
- Total BCBS Missouri Members: 1.9M+
- Hospitals in Blue Cross Blue Shield of Missouri Network: 104+
- Primary Care Physicians and Specialists in Network: 10.2K+
Blue Cross Blue Shield of Missouri Address
BCBS Missouri Claims Address
Anthem Blue Cross Blue Shield P.O. Box 105187 Atlanta, GA 30348-5187
Blue Cross of Missouri Phone Number
BCBS Missouri Customer Service Number
https://www.anthem.com/contact-us/missouri/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-875-6460
Medicare Supplement and Medicare Advantage Plans 1-855-879-7605
Medicare Part D Plans 1-855-879-7602
Employer Plans 1-866-906-8837
Montana Blue Cross Blue Shield
Blue Cross Blue Shield of Montana Providers
- Total BCBS Montana Members: 220K+
- Hospitals in Blue Cross Blue Shield of Montana Network: 300+
- Primary Care Physicians and Specialists in Network: 8.3K+
Blue Cross Blue Shield of Montana Address
BCBS Montana Claims Address
https://www.bcbsmt.com/provider/claims-and-eligibility/claim-submission
BCBS of Montana PO BOX 5004 Great Falls, MT 59403-5004
Blue Cross of Montana Phone Number
BCBS Montana Customer Service Number
https://www.bcbsmt.com/contact-us
Customer Service 1-800-447-7828
Nebraska Blue Cross Blue Shield
Blue Cross Blue Shield of Nebraska Providers
- Total BCBS Nebraska Members:
- Hospitals in Blue Cross Blue Shield of Nebraska Network: 85+
- Primary Care Physicians and Specialists in Network: 4.9K+
Blue Cross Blue Shield of Nebraska Address
BCBS Nebraska Claims Address
BCBS of Nebraska
P.O. Box 3248
Omaha, NE 68180
Blue Cross of Nebraska Phone Number
BCBS Nebraska Customer Service Number
https://www.nebraskablue.com/Member-Services/Contact-Us
Customer Service 844-201-0763
Nevada Blue Cross Blue Shield
Blue Cross Blue Shield of Nevada Providers
- Total BCBS Nevada Members: 559K+
- Hospitals in Blue Cross Blue Shield of Nevada Network: 36+
- Primary Care Physicians and Specialists in Network: 2.7K+
Blue Cross Blue Shield of Nevada Address
BCBS Nevada Claims Address
https://www.anthem.com/contact-us/nevada/
Anthem BCBS of Colorado & Nevada P. O. Box 5747 Denver, CO 80217-5747
Blue Cross of Nevada Phone Number
BCBS Nevada Customer Service Number
https://www.anthem.com/contact-us/nevada/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-877-4373
Medicare Supplement and Medicare Advantage Plans 1-855-877-3457
Medicare Part D Plans 1-855-877-3453
Employer Plans 1-877-234-8873
New Hampshire Blue Cross Blue Shield
Blue Cross Blue Shield of New Hampshire Providers
- Total BCBS New Hampshire Members: 449K+
- Hospitals in Blue Cross Blue Shield of New Hampshire Network: 28+
- Primary Care Physicians and Specialists in Network: 4.6K+
Blue Cross Blue Shield of New Hampshire Address
BCBS New Hampshire Claims Address
Anthem Blue Cross and Blue Shield New Hampshire
P.O. Box 105557
Atlanta, GA 30348-5557
Blue Cross of New Hampshire Phone Number
BCBS New Hampshire Customer Service Number
https://www.anthem.com/contact-us/new-hampshire/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-875-6463
Medicare Supplements and Medicare Advantage Plans 1-855-877-3450
Medicare Part D Plans 1-855-876-9590
Employer Plans 1-866-705-5536
New Jersey Blue Cross Blue Shield
Blue Cross Blue Shield of New Jersey Providers
- Total BCBS New Jersey Members: 3.7M+
- Hospitals in Blue Cross Blue Shield of New Jersey Network: 60+
- Primary Care Physicians and Specialists in Network: 23K+
Blue Cross Blue Shield of New Jersey Address
BCBS New Jersey Claims Address
BlueCard® claims:
Horizon BCBSNJ BlueCard Claims
PO Box 1301
Neptune, NJ 07754-1301
Braven Health claims:
Braven Health
PO Box 820
Newark NJ, 07101-0820
Federal Employee Plan (FEP) claims:
Horizon BCBSNJ
PO Box 656
Newark, NJ 07101-0656
For all other claims medical claims:
Horizon BCBSNJ
PO Box 25
Newark NJ 07101-0025
Behavioral Health Claims:
Horizon BCBSNJ
Horizon Behavioral Health
PO Box 10191
Newark, NJ 07101-3189
Blue Cross of New Jersey Phone Number
BCBS New Jersey Customer Service Number
https://www.horizonblue.com/contact-us/member-contacts
Customer Service 1-800-355-2583
New Mexico Blue Cross Blue Shield
Blue Cross Blue Shield of New Mexico Providers
- Total BCBS New Mexico Members: 530K+
- Hospitals in Blue Cross Blue Shield of New Mexico Network: 400+
- Primary Care Physicians and Specialists in Network: 16K+
Blue Cross Blue Shield of New Mexico Address
BCBS New Mexico Claims Address
https://www.bcbsnm.com/contact-us
Blue Cross and Blue Shield of New Mexico
P.O. Box 27630
Albuquerque, NM 87125-7630
Blue Cross of New Mexico Phone Number
BCBS New Mexico Customer Service Number
https://www.bcbsnm.com/contact-us
Customer Service 800-835-8699
New York Blue Cross Blue Shield
Blue Cross Blue Shield of New York Providers
- Total BCBS New York Members: 7.2M+
- Hospitals in Blue Cross Blue Shield of New York Network: 230+
- Primary Care Physicians and Specialists in Network: 63K+
Blue Cross Blue Shield of New York Address
BCBS New York Claims Address
Empire BlueCross BlueShield PO Box 1407, Church Street Station New York, NY 10008-1407
Blue Cross of New York Phone Number
BCBS New York Customer Service Number
https://www.empireblue.com/contact-empire-blue/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-879-6174
Medicare Supplement and Medicare Advantage Plans 1-855-876-9586
Employer Plans 1-866-868-8967
North Carolina Blue Cross Blue Shield
Blue Cross Blue Shield of North Carolina Providers
- Total BCBS North Carolina Members: 3.7M+
- Hospitals in Blue Cross Blue Shield of North Carolina Network: 114+
- Primary Care Physicians and Specialists in Network: 27.8K+
Blue Cross Blue Shield of North Carolina Address
BCBS North Carolina Claims Address
BCBS of North Carolina
ATTN: BlueCard
1965 Ivy Creek Blvd
P.O. Box 35
Durham, NC 27702
Blue Cross of North Carolina Phone Number
BCBS North Carolina Customer Service Number
https://www.bluecrossnc.com/contact-us
Customer Service 1-888-206-4697
North Dakota Blue Cross Blue Shield
Blue Cross Blue Shield of North Dakota Providers
- Total BCBS North Dakota Members: 347K+
- Hospitals in Blue Cross Blue Shield of North Dakota Network: 44+
- Primary Care Physicians and Specialists in Network: 2.4K+
Blue Cross Blue Shield of North Dakota Address
BCBS North Dakota Claims Address
BCBSND
4510 13th Ave S
Fargo, ND 58121
Blue Cross of North Dakota Phone Number
BCBS North Dakota Customer Service Number
https://www.bcbsnd.com/contact
Member Services 844-363-8457
Sales 800-280-2583
Ohio Blue Cross Blue Shield
Blue Cross Blue Shield of Ohio Providers
- Total BCBS Ohio Members: 3.4M+
- Hospitals in Blue Cross Blue Shield of Ohio Network: 192+
- Primary Care Physicians and Specialists in Network: 36.8K+
Blue Cross Blue Shield of Ohio Address
BCBS Ohio Claims Address
https://www.anthem.com/contact-us/ohio/
Anthem Blue Cross Blue Shield
P.O. Box 105187
Atlanta, GA 30348-5187
Blue Cross of Ohio Phone Number
BCBS Ohio Customer Service Number
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-879-6177
Medicare Supplements and Medicare Advantage Plans 1-855-875-7187
Medicare Part D Plans 1-855-875-7184
Employer Plans 1-866-870-1780
Oklahoma Blue Cross Blue Shield
Blue Cross Blue Shield of Oklahoma Providers
- Total BCBS Oklahoma Members: 824K+
- Hospitals in Blue Cross Blue Shield of Oklahoma Network: 680+
- Primary Care Physicians and Specialists in Network: 20.6K+
Blue Cross Blue Shield of Oklahoma Address
BCBS Oklahoma Claims Address
https://www.bcbsok.com/contact-us
BCBS of Oklahoma
Attn: Document Control
PO Box 3283
Tulsa, OK 74102-3283
Blue Cross of Oklahoma Phone Number
BCBS Oklahoma Customer Service Number
Customer Service 800-942-5837
Oregon Blue Cross Blue Shield
Blue Cross Blue Shield of Oregon Providers
- Total BCBS Oregon Members: 782K+
- Hospitals in Blue Cross Blue Shield of Oregon Network: 55+
- Primary Care Physicians and Specialists in Network: 7.8K+
Blue Cross Blue Shield of Oregon Address
BCBS Oregon Claims Address
Regence BCBS of Oregon
P. O. Box 30805
Salt Lake City, UT 84130- 0805
Blue Cross of Oregon Phone Number
BCBS Oregon Customer Service Number
https://www.onehealthport.com/payer/regence-bluecross-blueshield-oregon
1-800-282-4548
Pennsylvania Blue Cross Blue Shield
Blue Cross Blue Shield of Pennsylvania Providers
- Total BCBS Pennsylvania Members: 7.2M+
- Hospitals in Blue Cross Blue Shield of Pennsylvania Network: 500+
- Primary Care Physicians and Specialists in Network: 95K+
Blue Cross Blue Shield of Pennsylvania Address
BCBS Pennsylvania Claims Address
https://www.highmarkblueshield.com/pdf_file/addresses-west.pdf
Highmark Blue Shield Claims Processing
P.O. Box 898819
Camp Hill, PA 17089-8819
Blue Cross of Pennsylvania Phone Number
BCBS Pennsylvania Customer Service Number
https://www.highmarkblueshield.com/chmptl/chm/jsp/contactus.do?oid=-13447&submitbutton=custserv
1-800-345-3806
Rhode Island Blue Cross Blue Shield
Blue Cross Blue Shield of Rhode Island Providers
- Total BCBS Rhode Island Members: 370K+
- Hospitals in Blue Cross Blue Shield of Rhode Island Network: 15+
- Primary Care Physicians and Specialists in Network: 4.1K+
Blue Cross Blue Shield of Rhode Island Address
BCBS Rhode Island Claims Address
https://www.bcbsri.com/providers/claims
Blue Cross & Blue Shield of Rhode Island
ATTN: Claims Department
500 Exchange Street
Providence, RI 02903
Blue Cross of Rhode Island Phone Number
BCBS Rhode Island Customer Service Number
https://www.bcbsri.com/contact
1-800-639-2227
South Carolina Blue Cross Blue Shield
Blue Cross Blue Shield of South Carolina Providers
- Total BCBS South Carolina Members: 3.7M+
- Hospitals in Blue Cross Blue Shield of South Carolina Network: 114+
- Primary Care Physicians and Specialists in Network: 27.8K+
Blue Cross Blue Shield of South Carolina Address
BCBS South Carolina Claims Address
BlueCross BlueShield of South Carolina
Columbia Service Center
P.O. Box 100300
Columbia, SC 29202
Blue Cross of South Carolina Phone Number
BCBS South Carolina Customer Service Number
https://www.southcarolinablues.com/web/public/brands/sc/assistance/contact-us/
Customer Service 800-288-2227
South Dakota Blue Cross Blue Shield
Blue Cross Blue Shield of South Dakota Providers
- Total BCBS South Dakota Members: 378K+
- Hospitals in Blue Cross Blue Shield of South Dakota Network: 50+
- Primary Care Physicians and Specialists in Network: 2.8K+
Blue Cross Blue Shield of South Dakota Address
BCBS South Dakota Claims Address
Wellmark BCBS
P.O. Box 5023
Sioux Falls, SD 57117
Blue Cross of South Dakota Phone Number
BCBS South Dakota Customer Service Number
https://www.wellmark.com/about/contact-us
Customer Service 1-800-524-9242
Blue Dental Plan 877-333-0164
Wageworks Flexible Spending Account 877-924-3967
Vision Plan 888-223-9008
Technical Assistance 800-407-0267
Tennessee Blue Cross Blue Shield
Blue Cross Blue Shield of Tennessee Providers
- Total BCBS Tennessee Members: 3.4M+
- Hospitals in Blue Cross Blue Shield of Tennessee Network: 125+
- Primary Care Physicians and Specialists in Network: 16.3K+
Blue Cross Blue Shield of Tennessee Address
BCBS Tennessee Claims Address
ATTN: Claims Service Center
P.O. Box 180150
Chattanooga, TN 37401
Blue Cross of Tennessee Phone Number
BCBS Tennessee Customer Service Number
https://www.bcbst.com/contact-us/
Customer Service 1-800-565-9140
Texas Blue Cross Blue Shield
Blue Cross Blue Shield of Texas Providers
- Total BCBS Texas Members: 5.7M+
- Hospitals in Blue Cross Blue Shield of Texas Network: 4.6K+
- Primary Care Physicians and Specialists in Network: 128K+
Blue Cross Blue Shield of Texas Address
BCBS Texas Claims Address
https://www.bcbstx.com/provider/contact_us.html
Blue Cross and Blue Shield of Texas
P.O. Box 660044
Dallas, TX 75266-0044
Blue Cross of Texas Phone Number
BCBS Texas Customer Service Number
https://www.bcbstx.com/contact-us
Customer Service 972-766-6900
Utah Blue Cross Blue Shield
Blue Cross Blue Shield of Utah Providers
- Total BCBS Utah Members: 532K+
- Hospitals in Blue Cross Blue Shield of Utah Network: 50+
- Primary Care Physicians and Specialists in Network: 6.1K+
Blue Cross Blue Shield of Utah Address
BCBS Utah Claims Address
Regence Group Administrators
P.O. Box 52890
Bellevue, WA 98015-2890
Blue Cross of Utah Phone Number
BCBS Utah Customer Service Number
https://www.regence.com/provider/contact-us
Customer Service 1-800-253-0838
Vermont Blue Cross Blue Shield
Blue Cross Blue Shield of Vermont Providers
- Total BCBS Vermont Members: 230K+
- Hospitals in Blue Cross Blue Shield of Vermont Network: 15+
- Primary Care Physicians and Specialists in Network: 2.3K+
Blue Cross Blue Shield of Vermont Address
BCBS Vermont Claims Address
BCBSVT
Attn: BlueCard Department
P. O. Box 186
Montpelier, VT 05601- 0186
Blue Cross of Vermont Phone Number
BCBS Vermont Customer Service Number
https://www.bcbsvt.com/contactus
Customer Service 800-247-2583
Virginia Blue Cross Blue Shield
Blue Cross Blue Shield of Virginia Providers
- Total BCBS Virginia Members: 1M+
- Hospitals in Blue Cross Blue Shield of Virginia Network: 99+
- Primary Care Physicians and Specialists in Network: 19k+
Blue Cross Blue Shield of Virginia Address
BCBS [State] Claims Address
Anthem BCBS
P. O. Box 27401
Richmond, VA 23279
Blue Cross of Virginia Phone Number
BCBS [State] Customer Service Number
https://www.anthem.com/contact-us/virginia/
Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-879-6180
Medicare Supplement and Medicare Advantage Plans 1-855-875-7181
Medicare Part D Plans 1-855-875-7178
Employer Plans 1-866-868-9963
Washington Blue Cross Blue Shield
Blue Cross Blue Shield of Washington Providers
- Total BCBS Washington Members: 782K+
- Hospitals in Blue Cross Blue Shield of Washington Network: 55+
- Primary Care Physicians and Specialists in Network: 7.8K+
Blue Cross Blue Shield of Washington Address
BCBS Washington Claims Address
PO Box 91059
Seattle, WA 98111-9159
Blue Cross of Washington Phone Number
BCBS Washington Customer Service Number
https://www.premera.com/wa/provider/contact-us/
Customer Service 877-342-5258
West Virginia Blue Cross Blue Shield
Blue Cross Blue Shield of West Virginia Providers
- Total BCBS West Virginia Members: 320K+
- Hospitals in Blue Cross Blue Shield of West Virginia Network: 55+
- Primary Care Physicians and Specialists in Network: 6.5K+
Blue Cross Blue Shield of West Virginia Address
BCBS West Virginia Claims Address
Highmark BCBS of WV
P.O. Box 7026
Wheeling, WV 26003
Blue Cross of West Virginia Phone Number
BCBS West Virginia Customer Service Number
https://www.highmarkbcbswv.com/home/
1-800-982-8772
Wisconsin Blue Cross Blue Shield
Blue Cross Blue Shield of Wisconsin Providers
- Total BCBS Wisconsin Members: 999K+
- Hospitals in Blue Cross Blue Shield of Wisconsin Network: 158+
- Primary Care Physicians and Specialists in Network: 17.5K+
Blue Cross Blue Shield of Wisconsin Address
BCBS Wisconsin Claims Address
Anthem Blue Cross Blue Shield
P.O. Box 105187
Atlanta, GA 30348-5187
Blue Cross of Wisconsin Phone Number
BCBS Wisconsin Customer Service Number
https://www.anthem.com/contact-us/wisconsin/Customer Service 1-800-331-1476
Individuals & Family Plans 1-855-879-6183
Medicare Supplement and Medicare Advantage Plans 1-855-874-4228
Medicare Part D Plans 1-855-874-4224
Employer Plans 1-877-231-2417
Wyoming Blue Cross Blue Shield
Blue Cross Blue Shield of Wyoming Providers
- Total BCBS Wyoming Members: 217K+
- Hospitals in Blue Cross Blue Shield of Wyoming Network: 27+
- Primary Care Physicians and Specialists in Network: 6.5K+
Blue Cross Blue Shield of Wyoming Address
BCBS Wyoming Claims Address
BCBS of Wyoming
P. O. Box 2266
Cheyenne, WY 82003
Blue Cross of Wyoming Phone Number
BCBS Wyoming Customer Service Number
Customer Service 1-800-442-2376