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Frequently Asked Questions

Billing & Payments

Group (Employer Provided) Plans

Group (employer provided) policy holders should contact your employer regarding premium billing and payment policies for your policy.

Blue Medicare SupplementSM and AccessSM

Individual and Family Health or Dental Plans


Blue Medicare SupplementSM and AccessSM


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

A: BCBSNC cannot currently accept payment by phone for Blue Medicare Supplement, Blue Medicare Advantage or Blue Medicare Rx policies. However, we are able to accept payment online for all three types of policies. The payment is made by way of a bank draft after the Member enters their bank routing and account numbers.

Q:  What is EasyPayBlue? Top of Page

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 Blue Connect and complete and return the EasyPayBlue form.

Q:  Can I make a partial premium payment? Top of Page

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? Top of Page

A:Yes. You can reinstate your policy online within 30 days of the date on the termination letter you received.  If you do not reinstate your policy within this 30 day window, you will need to reapply for coverage.

Q:  How do I reinstate my policy online? Top of Page

A:Log in to Blue Connect and click on the Manage Billing and Payments link. Click the Reinstate Policy button. Enter your payment and billing information, then click the Make a Payment button. Your payment should post in 24-48 hours, after which your policy will be reinstated.

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

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

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

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? Top of Page

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:  Why did I receive a late notice after I mailed in my payment? Top of Page

A: Invoices are generated between the 5th and 10th of each month. It takes approximately 7-10 business days before you will receive your invoice. The invoice was mailed before we received your payment.

Q:  What if I have additional billing questions? Top of Page

A: By logging into Blue Connect 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 Your Explanation of Benefits that defines many insurance billing terms and helps you understand what you will owe following a doctor visit.

Individual and Family Health or Dental Plans


Q:  What are my options for paying my premium bill? Top of Page

A: You can pay with a credit card or bank draft by going to Manage Billing and Payments in Blue Connect (you'll need to log in or register first). You can choose to make a one-time premium payment or schedule recurring (monthly) payments. These can be made using a credit card or automatic bank draft.

Q:  Can I use my credit card to make a payment? Top of Page

A: Yes. We accept credit cards with MasterCard, Discover and Visa logos.

Q:  Can I pay my bill online? Top of Page

A: You can pay with a credit card or bank draft by going to Manage Billing and Payments in Blue Connect (you'll need to log in or register first). You can choose to make a one-time premium payment or schedule recurring (monthly) payments. These can be made using a credit card or automatic bank draft.

Q:   If I am paying with a credit card, when am I charged for payment? Top of Page

A: 1) For a one-time premium payment:
Your credit card payment will be charged when you make that payment.

2) For recurring (monthly) credit card payments:
If you don't have a balance due when you sign up for recurring payments, your credit card will be automatically charged on the 5th of each month.

If you have a balance due, your credit card will be charged for that amount when you make that payment. All payments after that will be automatically charged on the 5th of each month.

Q:   If I am making bank draft payments, when am I charged for payment? Top of Page

A: 1) For a one-time premium payment:
Your payment will be withdrawn from your bank account within 24-48 hours.

2) For recurring bank draft payments:
If you have a balance due, the amount of your balance will be withdrawn from your bank account within 24-48 hours of payment. All payments after that will be drafted on the 5th of the month.

Q:  What is the Manage Billing & Payments tool in Blue Connect? Top of Page

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? Top of Page

A: BCBSNC provides this free to registered Blue Connect 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? Top of Page

A: Once you make an online payment, you will see a confirmation screen that you can print. If you choose our paperless billing option, you’ll receive email confirmation of your payments.

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

A: If you make a one-time payment online, you can still receive a paper bill. You also have the option of going paperless and receiving e-mail notification when your invoice is available online.

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

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? Top of Page

A: Yes. To schedule the automatic payment of your monthly premium through bank draft, log in to Blue Connect 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?Top of Page

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?Top of Page

A: To cancel automatic monthly bank draft, log into Blue Connect 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?Top of Page

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?Top of Page

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?Top of Page

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?Top of Page

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:  Can I make recurring credit card payments?Top of Page

A:If you have an individual non-Medicare plan you can make recurring credit card payments. We accept credit cards with Visa, MasterCard or Discover logos.

If you have a Dental Blue or Dental Blue for Seniors plan, you can make recurring credit card payments.

Q:  Can I remove myself from the recurring credit card payment option?Top of Page

A: You can, as long as it is not within 10 days of your invoice date. During this period, your account will be frozen and you won't be able to remove yourself from the recurring credit card payment option.

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

A: The monthly premium rate for your individual policy.

Q:  Why would my recurring payment amount change?Top of Page

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?Top of Page

A: No. Payments made after your first payment are either drafted from your bank account or charged to your credit card (depending on the type of recurring payment you chose) no sooner than your invoice due date or on the 5th of the month, depending on your policy billing cycle.

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

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

Q:  How do I change my billing address?Top of Page

A: You may change your billing address by editing your billing profile in the Manage Billing and Payments tool in Blue Connect. 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)? Top of Page

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?Top of Page

A: Yes. Log in to Blue Connect 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?Top of Page

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?Top of Page

A: Please read the Electronic Premium Notice Authorization Agreement for more information.

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

A: Please read the Electronic Premium Notice Authorization Agreement for more information.

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

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 Blue Connect 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? Top of Page

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? Top of Page

A:Yes. You can reinstate your policy online within 30 days of the date on the termination letter you received.  If you do not reinstate your policy within this 30 day window, you will need to reapply for coverage.

If you purchased a plan from the Health Insurance Marketplace, you can't reinstate your plan. You'll have to reapply.

Q:  How do I reinstate my policy online? Top of Page

A:Log in to Blue Connect and click on the Manage Billing and Payments link. Click the Reinstate Policy button. Enter your payment and billing information, then click the Make a Payment button. Your payment should post in 24-48 hours, after which your policy will be reinstated.

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

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? Top of Page

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

Q:  If my online payment is unsuccessful due to insufficient funds in my bank account at the time of payment, will you try to process it again? Top of Page

A: Yes. If unsuccessful the first time there will be an additional attempt 1 day later. If unsuccessful the second time there will be a third and final attempt 5 business days later.

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

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? Top of Page

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: May I pay using a savings account?Top of Page

A: Yes. However, there are some banks that do not allow drafts from certain types of savings accounts. Please contact your bank if you are unsure whether or not your bank allows your savings account to be drafted.

Q:  Can I make my premium payment by phone? Top of Page

A: Yes. You can call 1-800-333-7009 to pay by phone using your savings or checking account information. However, for your security, we can't accept credit card payments by phone.

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

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? Top of Page

A: By logging into Blue Connect 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.