Billing & Payments

Q:  Can I pay my bill online or by phone?

A: BCBSNC cannot currently accept payment online or by phone for Blue Medicare Supplement or Access policies. However, we do offer our EasyPayBlue service, which allows you to have your premium amount automatically drafted from your bank account each month. You can also have the option to pay your bill by postal mail by sending in a check or providing your credit card information on the back of your invoice.

Q:  What is EasyPayBlue?

A:EasyPayBlue is a service available to Blue Medicare Supplement and Access plans that allows you to have your insurance premium payment automatically drafted from your bank account each month. To enroll, log into My Member Services and complete and return the EasyPayBlue form.

Q:  Can I make a partial premium payment?

A:If you mail in a partial payment there is no guarantee that your claims will be paid or your policy will remain active if the full amount is not received by the payment due date.

Q:  Can I reinstate my policy online?

A: No. You must request reinstatement in writing along with your full payment. Send the request along with your payment to:
Blue Cross Blue Shield of North Carolina
P.O. Box 30080
Durham, NC 27702-3080

Q:  Can I make my premium payment with a business check?

A: No. Business checks are not accepted for individual premium payments.

Q:  Can I make my premium payment with a money order?

A: Yes. You can submit a money order payment by mail. Please include your subscriber ID number on the money order to ensure your payment is properly credited to your account.

Q:  Can I pay my premium bill using my bank's bill pay option or PC Banking?

A: Yes, we accept payments made through your bank's online bill pay service or other third party bill pay vendor. Please be sure to include the correct BCBSNC subscriber ID number when signing up for the service to ensure your payment is properly credited to your account.

Q:  Can I pay my premium bill with a debit or credit card?

A: Yes, you can complete the back of your premium invoice with your debit or credit card information to make a payment. We accept Visa and Mastercard debit/credit cards. Note, at this time we cannot accept credit card payments or bank draft payments by phone.

Q:  What if I have additional billing questions?

A: By logging into My Member Services you can find additional helpful information including additional frequently asked questions under "About my plan" and contact information for customer service. You can also download the helpful brochure Understanding What You Owe that defines many insurance billing terms and helps you understand what you will owe following a doctor visit.

Q:  What are my options for paying my premium bill?

A: For individual and family policy holders you can pay your bills online by logging in to My Member Services and accessing Manage Billing & Payments tool. Using the Make a Payment option, you can make a one-time bank draft payment or to schedule recurring monthly bank draft payments. Currently we are unable to accept credit card payments online.

If you prefer to mail in your payment, you can pay by check or credit card by filling out and mailing in your invoice. We currently do not accept credit card payments or bank draft payments by phone.

Q:  Can I pay my bill online?

A: Members enrolled in individual or family plans can pay their bills online using a one-time or recurring bank draft payment method available in the Manage Billing and Payment tool in My Member Services.

Q:  What is the Manage Billing & Payments tool in My Member Services?

A: Manage Billing & Payments is an online tool that allows members enrolled in individual or family plans to pay their premiums online and view their billing history. Use this tool to make a one-time online payment or to schedule recurring automatic monthly bank draft payments. Members may also use this tool to check their billing status, review and download their account history, update their billing address, select whether to receive invoices by email or postal mail, and update their email address.

Q:  Is there a fee to pay my bills online?

A: BCBSNC provides this free to registered My Member Services members enrolled in individual and family plans. Although BCBSNC does not charge for this service, some banks may charge a fee for automatic bank drafts. Check with your bank for more information.

Q:  Will I receive a confirmation when my payment is processed online?

A: If you make a one-time online bank draft payment, a transaction confirmation screen will display after you submit your payment. Additionally, if we have an e-mail address on file for your My Member Services account, you will receive an e-mail confirming your payment.

When you schedule recurring payments, you are required to provide a billing e-mail address (if you do not already have one registered in My Member Services). You will receive both invoice notifications and payment confirmations at this e-mail address.

Q:  If I choose to pay my premium online, will I still receive a paper bill?

A: If you use the Manage Billing and Payments tool to make a one-time premium payment online, you can still receive a paper bill. You do have the option to stop paper billing and receive email notifications when your invoice is available online.

If you use the Manage Billing and Payments tool to schedule recurring automatic bank-draft payments, your paper bill will automatically be cancelled and you will be asked to select another method of notification when your invoice is ready.

Q:  Why am I no longer receiving a paper bill?

A:If you schedule recurring monthly bank draft payments in the Manage Billing and Payments tool, you will no longer receive a paper bill by postal mail. You can view your bill online and have the option to print a copy of your invoice and a summary of your account activity. You can also select to receive email notifications when your invoice is ready for viewing.

Q:  Can I schedule automatic bank draft payment of my bill?

A: Yes. To schedule the automatic payment of your monthly premium through bank draft, log in to My Member Services and select the Manage Billing & Payments tool. Once in the tool, choose Make a Payment and select the option for "recurring monthly bank draft". You will also be asked to enter your bank account information.

Q:  What is the difference between one-time bank draft and recurring bank draft?

A: If you elect to make a one-time bank draft payment, your current payment amount will be withdrawn from your bank account only once.

If you elect to make recurring monthly bank draft payments, your premium payment amount will be withdrawn from your bank account every month automatically.

Q:  How do I cancel monthly bank draft payments of my premium?

A: To cancel automatic monthly bank draft, log into My Member Services and go to the Manage Billing & Payments tool. Select Edit My Billing Profile and in the Recurring Payment section, check the box that says "To CANCEL recurring payments, check this box and click SAVE PROFILE button." and press the SAVE PROFILE button at the bottom of the page. Once canceled, the change to your account profile will take affect for the next billing period. Remember, if you cancel recurring payments you will need to make your monthly premium payments by check or online using a one-time bank draft.

Q:  Can I make a partial payment?

A:No, BCBSNC currently is unable to accept partial premium payments. However you may pay just your balance forward amount with a one-time bank draft. Additionally, if you mail in a partial payment there is no guarantee that your claims will be paid or your policy will remain active if the full payment amount is not received by the payment due date

Q:  Will my monthly payment always be the same?

A: Your monthly premium will not change during the year unless you make adjustments to your policy such as the addition or deletion of a dependent. Any changes you make to your policy will be reflected in the next billing period.

Q:  How often do premium amounts change?

A: Premiums are adjusted annually on January 1. Premium changes may also occur prior to January 1, if you make an adjustment to your policy, such as switching plans, adding or removing eligible dependents or purchasing additional coverage.

Q:  When will I be notified of a change to my premium?

A:You will be notified 30 days in advance of any change to your premium. Currently most premium rates are adjusted annually on January 1, but please refer to your plan documentation for further information.

Q:  If I choose the recurring bank draft payment method, what amount will be drafted from my account each month?

A: The monthly premium rate for your individual policy.

Q:  Why would my recurring payment amount change?

A: Changes to your coverage can cause your rate to change, such as the birth of a child or change in marital status, where you would be adding or removing a person from your coverage.

Q:  Can I select the day my recurring payment amount will be withdrawn from my bank account?

A: No. Payments are withdrawn automatically on the 5th or 15th of the month, depending on your policy billing cycle.

Q:  How can I change the email address where my billing invoices are being sent?

A: You may change your e-mail address by selecting Edit my billing profile in the Manage Billing and Payments tool in My Member Services. Any change you make in your profile will be processed within 48 hours.

Q:  How do I change my billing address?

A: You may change your billing address by editing your billing profile in the Manage Billing and Payments tool in My Member Services. Any change you make in your profile will be processed within 48 hours.

Q:  I am not receiving my invoices at the email address I designated (SPAM filter / safe list information)?

A: Certain BCBSNC e-mail that is automatically generated by bcbsnc.com, may be filtered out by some e-mail providers as "SPAM". This means that email from bcbsnc.com are being redirected to a "SPAM" folder rather than your inbox. Most email providers provide a way for you to specify a "safe list" or a SPAM filter list that tells your email provider to allow email sent from a specific address or domain (ie. all emails from bcbsnc.com). If you are experiencing this problem, please check with your e-mail provider about how to add bcbsnc.com to your "safe list". If you can not specify all email addresses from bcbsnc.com, the following email addresses should be added to your safe list in regards to receiving billing information:

no-reply-invoicenotification@bcbsnc.com
no-reply-billpaidnotification@bcbsnc.com
no-reply-paymethodchangenotification@bcbsnc.com
no-reply-emailbilloptionnotification@bcbsnc.com

Q:  Can I view and print my bills and account payment history online?

A: Yes. Log in to My Member Services and select the Manage Billing & Payments tool. On the Account Summary page you can select to view your current and previous invoices. To print account history, select View Account History link and select the type of transaction and the date range you would like to see. Once displayed on the page, select the Summary of Account Activity link on the right side of the page. The information will be presented in a pdf format and can be saved to your computer or printed.

Q:  What happens if I do not have enough funds in my bank account at the time my premium amount is drafted?

A: If you are on recurring payments, your account will be automatically changed to direct bills by postal mail. If you have another denied draft payment or returned check within a 12 month period, your policy may be terminated.

Q:  Where can I find the Electronic Premium Notice Authorization Agreement?

A: Click here to read the Electronic Premium Notice Authorization Agreement.

Q:  Where can I find the bank draft Payment Authorization Agreement?

A: Click here to read the Payment Authorization Agreement

Q:  Can I pay for multiple policies in one online transaction?

A: We currently do not offer that option at this time. You will need to make a separate payment for each policy to ensure your payments are accurately posted. To make payments online, log in to My Member Services and select Manage Billing & Payments. On the account summary screen, select a policy and then click Make a Payment.

Note: If you currently do not owe anything on your account, the Make a Payment option will not be available.

Q:  Does accepting my payment online guarantee my policy won't be terminated for non-payment?

A: If we receive your payment before or on the same day your policy is scheduled for termination, we will ensure that you have no lapse in coverage.

Q:  Can I reinstate my policy online?

A: No. You must request reinstatement in writing along with your full payment. Send the request along with your payment to:
Blue Cross Blue Shield of North Carolina
P.O. Box 30080
Durham, NC 27702-3080

Q:  Can I make my premium payment with a business check?

A: No. Business checks are not accepted for individual premium payments.

Q:  I made a payment online but entered the wrong amount or changed my mind. Can I stop the payment?

A: Unfortunately, all payments are processed immediately and we are unable to stop the transfer of funds.

Q:  If my online payment is unsuccessful, will you try to process it a second time?

A: Yes. The bank transmits the transaction twice in order to verify that the account information is correct.

Q:  Can I make a payment online with a money order?

A: No. We cannot accept money orders online. However you can submit a money order payment by mail. Please include your account number on the money order to ensure it is properly credited to your account.

Q:  Can I pay my premium bill using my bank's bill pay option or PC Banking?

A: Yes, we accept payments made through your bank's online bill pay service or other third party bill pay vendor. Please be sure to include the correct BCBSNC account number when signing up for the service to ensure your payment is properly credited to your account.

Q:  Can I pay my premium bill online with a debit or credit card?

A: We currently cannot accept debit or credit cards online. However, if you receive your invoices by postal mail, you can complete the back of the invoice with your debit or credit card information to make a payment. We accept Visa and Mastercard debit/credit cards. Please note, if you receive invoice notifications via email, you do not have the option to pay by debit/credit card. We currently are unable to accept credit card payments or bank draft payments by phone.

Q:  Can I make my premium payment by phone?

A: For your security we do not accept credit card payments or bank draft payments by phone. You will need to mail in your payment or use our online bank draft payment service. To make a bank draft payment online, log in to My Member Services and select Manage Billing & Payments.

Q:  Will credit balances on inactive accounts (policies where coverage has ended) be automatically refunded?

A: For inactive accounts BCBSNC will automatically issue refunds for balances over $1.00. For balances under $1.00, you may contact customer service to request a refund.

Q:  What if I have additional billing questions?

A: By logging into My Member Services you can additional helpful information including additional frequently asked questions under "About my plan" specific to your plan and contact information for customer service. You can also download the helpful brochure Understanding What You Owe that defines many insurance billing terms and helps you understand what you will owe following a doctor visit.