How to Verify Benefits for Blue Cross

Proper verification of health insurance benefits can prevent insurance claim denials and result in costly out-of-pocket expenses. Prior to seeking treatment it is best to verify your current health insurance coverage as well as review any policy limitations. Coverage can vary widely between health insurance providers depending on the policy you have. Fortunately, if you have Blue Cross insurance the process of verifying benefits is quite simple.

Instructions

• 1

  Go to the BlueCross BlueShield Association (BCBS) main website (see References). Enter your zip code to find your local BCBS provider.

• 2

  Choose the correct insurance provider's website. Depending on what area you select, there may be more than one option. Click on the link. You should now be on your local Blue Cross website.

• 3

  Find the correct link. Every website will be set up a bit differently. However, each one will have fields for members, providers and employers. If you are verifying your own coverage select the Member link.

• 4

  Set up online access or enter an existing user name and password. To create a user name you will need to enter your full name, member ID and group ID. All of this information is found directly on your insurance card. You will also need to enter other information such as your social security number, date of birth and email address.

• 5

  Access your benefit information. Upon entering your user name and password you will be directed to your member homepage. You can then make a request for new cards, view history of claims and review your current coverage.

• 6

  Select the Eligibility & Benefits link to verify your coverage. The date your coverage began as well as current eligibility information for all covered family members will be listed. You may print this screen as verification of your insurance information.