BlueSaver Claims Filing Tips

Below are some helpful tips that will guide you when processing claims for and payments from Blue members with a consumer directed health plan like BlueSaver:

• Commit to pre-service work with patients. Contact to confirm appointment and ask them to bring a copy of their current member card. Offer to discuss out of pocket expenses prior to their visit.

• Ask members for their current member ID card and regularly obtain new photocopies (front and back) of the member ID card. Having the current card will enable you to submit claims with the appropriate member information (including alpha prefix) and avoid unnecessary claims payment delays.

• Verify the member’s eligibility or benefits through iLinkBLUE or by calling BlueCard Eligibility® Line at

1-800-676-BLUE (1-800-676-2583) and provide the alpha prefix, or use electronic capabilities.

• Carefully determine the member’s financial responsibility before processing payment.
• If the member presents an HSA or HRA debit card or debit/ID card, be sure to verify the member’s cost sharing or out-of- pockets amount before processing payment.
• Please do not use the card to process full payment up front.
• File Claims for all members with CDHPs (including those with BlueCard) to Blue Cross.
If you have any questions about the healthcare debit card processing instructions or payment issues, please contact the debit card administrator’s toll-free number on the back of the card.

Members with Consumer Directed Health Plans Like BlueSaver

Many consumer directed healthcare (CDHC) members carry healthcare debit cards that allow them to pay for out-of-pocket costs using funds from their Health Reimbursement Arrangement (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA).

Some cards are “stand-alone” debit cards that cover out-of pocket costs, while others also serve as a member identification card and include the member’s identification number. The combined card will have a nationally recognized Blue logo, along with the logo from a major debit card company such as MasterCard® or Visa®.

Members can use their cards to pay outstanding balances on billing statements. If your facility currently accepts credit card payments, there is no additional equipment necessary. The cost to you is the same as the current cost you pay to swipe any other signature debit cards.

BlueCard members whose plan includes a debit card can pay for out-of-pocket expenses by swiping the card through any debit card swipe terminal. These cards are used just like any other debit card. The funds will be deducted automatically from the member’s appropriate HRA, HSA or FSA account. If your office currently accepts credit card payments, there is no additional cost or equipment necessary. The cost to you is the same as the current cost you pay to accept any other signature debit card.

If the member presents a debit card (stand-alone or combined), be sure to verify the member’s cost sharing amount before processing payment. Do not use the card to process full payment up front. For more information, see the Consumer Directed Health Plans section of this manual.

Please Note: If you have questions about the healthcare debit card processing instructions or payment issues, please contact the toll-free debit card administrator’s number on the back of the card.