How do I submit a claim?

When you go to the doctor or pharmacy, someone in the office usually submits a claim to us. A claim is how your doctor or pharmacy asks your insurance company to pay for your health care.

But if you go to a doctor or pharmacy that’s not in our network, they might not be able to submit claims to us. In that case, you'll have to pay for your doctor visit or prescription drug out of your pocket, and then ask us to reimburse you.

Here's how:

1. Download and fill out a claim form. You’ll need to pick the form that goes with your plan. You’ll see separate forms for medical services and prescription drugs.
   
   
2. Attach your original receipts to the claim form. Each form will have specific instructions about what your receipts should include and how to attach them to the form. Make sure to keep a copy of the receipts for your records.
   
   
3. Mail your claim form and receipts to the address listed on the form.
   
   

What you'll need:

• Your Blue Cross ID card.
• Your plan's claim form.
• Original receipts from the doctor's office or pharmacy. Make sure to check your claim form for a list of what information your receipts need to include.

Related items

• Claim forms
• How do I check the status of my Medicare claim?
• Are out-of-network benefits covered under my BCN Advantage plan?
• How can I file a complaint, grievance or appeal?