- Change your compatibility settings in IE8.
In IE8, please click on the "Tools" menu and choose "Compatibility View Settings". - Please UNCHECK the selection for "Display all websites in Compatibility View" if it was checked (this setting must be unchecked in order for you to be able to view the myStrength page).
Are your household members having trouble logging into myStrength?
Your household members may have trouble logging in when the member through their employer group has both Behavioral Health Resource and Employer Assistance Program (EAP). When members have both of these programs, household members should use the EAP website to access myStrength. For household members’ first visit to the myStrength site, s/he should call customer service at 800-865-1044 for assistance with the referral form to set up his/her access.
Are you logging onto the health plan’s website, and you still don’t see a myStrength link on the homepage?
If you are logging onto the health plan’s website and don’t see the myStrength link on the homepage, please look on the middle of the page. You may need to scroll down to view the link.
Benefits & Claims
Where can I find information on the claims that have been processed?
Log in to find your claims. You'll see a status for each claim, saying what stage of the claims process it is in.
I have a question about preapproval. What should I do?
Preapproval (also known as precertification, prior authorization, or preauthorization) is the process used to confirm if a proposed service or procedure is medically necessary. If you have a question, call the customer service number on your member ID card.
Not sure if a medication is covered? Search your plan's drug list or call the customer service number on your member ID card.
How do I obtain a breast pump?
If you are pregnant and choose to breastfeed your newborn, we want to ensure you have the information, tools and support you need to be successful.
Many benefit plans offer pregnant women access to personal use, standard, double electric breast pumps through many of our contracted equipment suppliers at no cost to them. It is always important to check your member benefits to confirm coverage of a breast pump.
We want to make sure the process to access a breast pump is simple for you. If you are currently pregnant, we encourage you to talk with your physician and confirm your intention to breastfeed. Then, you may want to contact any of the following nationally contracted equipment providers to order your breast pump, or you may also call one of our many other contracted equipment providers.
Though there are many quality options available, you may have a particular brand in mind to meet your needs. Please be aware that the brands available from each equipment provider may vary. If you are not able to secure an order for the brand of your choice, please call the customer service number on the back of your member identification card to obtain assistance.
When contacting equipment providers please have your Anthem Member Identification number available, as well as your physician contact information. Some of the nationally contracted equipment (DME) providers are below:
Edge Park
Monday-Friday, 8 a.m. to 9 p.m.
Saturday, 9 a.m. to 3 p.m.
Byram
Monday-Friday, 8 a.m. to 6 p.m.
Medline Industries, Inc.
How do I know if a breast pump is covered?
It is always important to check your member benefits to confirm coverage of a breast pump. A breast pump is considered Durable Medical Equipment.
What if I still have questions about breast pump programs?
Please contact customer service by calling the telephone number on the back of your member identification card.
Customer service can also guide you through a variety of programs and services we offer to support breastfeeding mothers.
Is an employer required to offer COBRA to terminating employees or their dependents?
COBRA is a federal law that enables employees and their covered dependents to maintain their group health coverage for 18, 29 or 36 months after becoming ineligible for regular group coverage. The COBRA law does not apply to group health plans maintained by a small employer (normally fewer than 20 employees on a typical business day).
How is my HIA funded and how can I use it?
How is my HIA funded?
Your HIA is funded when you earn rewards for taking certain steps to improve your health. Check your Plan Summary for more information about earning rewards.
What type of services may I pay for with my HIA funds?
You can use the money in your HIA to pay for health care services covered by the Lumenos plan, such as doctor's office visits, prescription drugs, and lab tests. Check your Plan Summary for more information on covered services.
What is traditional health coverage?
Similar to a PPO or HMO plan, after you meet your deductible, you pay coinsurance (a percentage of the provider's charges) when you visit a network provider. You’ll pay more if you visit an out-of-network provider. Check your Plan Summary for more information on coinsurance amounts.
How do I check my health account balance?
It's easy. First register then log on at anthem.com. You can keep track of your account activity and balance and get details on your medical claims. You'll also receive a monthly statement with your account balance, account activity, medical and prescription claim history and important messages about how you may be able to improve your health or save money.
Can I roll over all the money in my HIA at the end of each plan year?
Yes. Whatever you don't spend on covered services will roll over to the next year, as long as you remain enrolled in the Lumenos HIA plan. You can use roll-over funds to help pay future out-of-pocket expenses.
If I leave this Lumenos plan, what happens to my HIA funds?
You cannot take your HIA funds with you if you leave the plan or your employer. The funds in your HIA stay with the health plan.
How do I get additional information about my benefits and claims?
Once you're logged in, you can find a good amount of info on your claims or benefits by selecting the Claims or Benefits items in the menu. You can also find some basic info by looking on the back of your ID card.
If you don't find answers to your questions, please call Member Services at the number listed on your ID Card.
What happens to my group health benefits when I become eligible for Medicare?
Generally, individuals become eligible to enroll in Medicare when they reach age 65, are disabled and have been receiving Social Security Disability Income (SSDI) checks for 24 months, or have a diagnosis of either end-stage renal disease or ALS (Lou Gehrig's Disease).
While the law allows people to maintain their group health coverage and coordinate it with Medicare, anyone covered by a group plan who is planning on enrolling in Medicare should check their group plan's eligibility rules to find out their plan's rules regarding Medicare enrollment, and to determine which insurance is primary (pays first), and which is secondary. Watch the relevant dates carefully, and beware that eligible individuals only have 80 days to enroll in Medicare Part B after their group health benefits end, or face paying a higher Part B premium as penalty.
Are there other ways I can save money on vision-related products and services, not covered by my plan?
Yes. You get discounts through our SpecialOffers program - just for being a member. It's easy. Log in and visit our Discounts page.
Where can I access additional discounts on dental products and services not covered through my plan?
You get discounts through our SpecialOffers program - just for being a member. It's easy. Log in and visit our Discounts page.
What's a consumer driven health plan?
Consumer-driven health plan (CDHP) is a high-deductible plan that also includes a tax-free health savings account (HSA), health incentive account (HIA) or health reimbursement account (HRA). You may put tax-free money into your account, or your employer might put money in - sometimes as a reward for steps you've taken for better health, depending on your plan. Then you use that money for your share of care costs, like your deductible or coinsurance.
It’s called consumer-driven because it puts you in the driver’s seat of your health and health care spending. With your checkups and preventive care likely covered at 100%, and tools to help you stay healthy and shop around for quality care at more reasonable costs - you might be able to cover all your costs with the money in your account.
What's a Health Savings Account (HSA) plan?
Health Savings Account (HSA) plan is a high-deductible plan that also includes a tax-free HSA. You can put tax-free money into it. Then use that money for your share of care costs, like your deductible or coinsurance. You can see all of the types of costs you can cover with money in your HSA. But remember that only cost your plan covers will go toward paying down your deductible.
It gives you the flexibility of a PPO — you can often go to doctors in and out of your network, though you'll get better rates with in-network doctors. HSA plans tend to have lower monthly premiums than similar PPOs, and sometimes even HMOs.
It's sometimes called a consumer-driven health plan (CDHP) because you're in more control of your care spending at first. With your checkups and preventive care likely covered at 100%, and tools to help you stay healthy and shop around for quality care at more reasonable costs - you might be able to cover all your costs with the money in your account.
What's a Health Savings Account (HSA)?
An HSA is a bank account you can use to pay for health expenses. You or your employer can put tax-free money into your HSA, and you'll use that money to pay for your share of care costs, like your deductible or coinsurance. If you don't use all the money in your HSA, it carries over into the next year and beyond. You can also take funds with you if you change health plans. Visit qme.anthem.com for more information.
How does my HSA work?
You (or sometimes your employer) can put tax-free money into your health savings account (HSA). Then you use that money to pay for your share of care costs, like your deductible or coinsurance. Some people cover for all their care costs with their HSA dollars — since your checkups and other preventive care are already covered at 100%. Also, your plan comes with tools to help you find quality care at a lower cost.
If you still have money left in your account, it stays in there for next year and beyond. And you can also take it with you if you change health plans. View IRS rules on paying costs with money in your HSA.
What's a Health Incentive Account (HIA)?
A health incentive account (HIA) is a health account set up by your employer health plan. You earn dollars in your account when you take certain steps to improve your health. You use that money to pay for your share of care costs, like your deductible or coinsurance. If you don't use all the money, it stays in there next year as long as you're still at the same job.
How does my HIA work?
Your employer puts money into your health incentive account (HIA) when you take certain steps to improve your health. You use that money to pay for your share of care costs, like your deductible or coinsurance. If you don't use all the money, it stays in there next year as long as you're still at the same job.
Are there different types of Flexible Spending Accounts (FSAs)?
Yes. The three main types of FSAs are:
- Health care FSA for qualified medical, dental, vision or other health care costs, including insurance deductibles, co-payments, and co-insurance.
- Dependent care FSA for child, elder or other dependent care.
- Limited purpose FSA for qualified dental and vision care costs only when combined with a Health Savings Account (HSA) or a Health Reimbursement Account (HRA).
Am I eligible to participate in a Flexible Spending Account (FSA)?
To be eligible for an FSA, your employer must offer it. You don't have to participate in your employer's health plan. You must elect to participate in the FSA during your employer's open enrollment.
For a Dependent Care Flexible Spending Account (DCA), you must have children under the age of 13 (if divorced, you must be the custodial parent) or you must claim an adult dependent on your tax return who’s physically or mentally unable to care for themselves.
Do I need to enroll in a Flexible Spending Account (FSA) each plan year?
Yes, you'll need to elect to participate in an FSA each plan year during your employer's open enrollment.
Which dependents are eligible under a Dependent Care Flexible Spending Account (DCA)?
Qualified individuals must meet one of the following criteria: children under the age of 13 or any adult you can claim as a dependent on your tax return who is physically or mentally unable to care for themselves.
For more information, view IRS Publication 503 .
Are Dependent Care Flexible Spending Account (DCA) rules different for a divorced parent?
To qualify for a DCA, you must be the custodial parent, even if you don't claim your child as a tax dependent.
For more information, view IRS Publication .
If I work part time, can I still have a Dependent Care Flexible Spending Account (DCA)?
Typically anyone whose employer offers a DCA can participate. As a rule, your DCA can only cover expenses incurred during work hours. Ask your employer's benefits team to verify eligibility.
For more information, view IRS Publication .
What kinds of expenses are covered by a Flexible Spending Account?
Qualified medical expenses include medical, dental, vision and prescription expenses. Visit this website for more information: qme.anthem.com
Are over-the-counter medicines eligible expenses for a Flexible Spending Account (FSA)?
Yes, FSA funds can be used for over-the-counter medicines without a prescription. Visit this website for more information: qme.anthem.com
What expenses are covered under a Dependent Care Flexible Spending Account (DCA)?
To qualify, dependent care must be essential for you and a spouse (if applicable) to work, look for work or attend school full-time. Typical eligible expenses include:
- Before and after school care programs
- Preschool or nursery school
- Extended day programs and summer day camp
- Babysitter (in or out of your home)
- Nanny and au pair services
- Daycare and eldercare facilities
What expenses aren't covered by a Dependent Care Flexible Spending Account (DCA)?
Expenses not related directly to care of the dependent (i.e., tuition, food, etc.) aren't eligible. Examples include:
- Educational expenses (summer school and tutoring)
- Tuition for kindergarten and above
- Overnight camp
- Field trip expenses and fees
- Housekeeping services
- Dependent care expenses incurred if your spouse doesn't work, unless your spouse is a full-time student or is disabled
How do I know which expenses are considered work related and covered by a Dependent Care Flexible Spending Account (DCA)?
The work-related expense test is the standard the Internal Revenue Service uses to determine if expenses are work related for a DCA. An expense isn't considered work related just because you had it while you were working. Expenses are considered work related only if both of the following are true:
- They allow you (and your spouse if filing jointly) to work or look for work.
- They're for a qualifying person's care.
For more information, view IRS Publication 503 .
Is there a limit to how much I can contribute to my Flexible Spending Account (FSA)?
Contribution maximums are defined by the U.S. Department of the Treasury and the Internal Revenue Service and may increase for inflation annually. Visit www.irs.gov for the most current maximum amounts.
Can my spouse also contribute to a Flexible Spending Account (FSA)?
Your spouse can also contribute up to the annual contribution maximum to their separate FSA. Visit www.irs.gov for the most current maximum amounts.
How much is available throughout a Flexible Spending Account (FSA) plan year? How can I access the money in my FSA?
The entire amount you've elected to put into your FSA is available on day one of your plan, even if you're contributing a portion each month. You can use your funds by logging into your FSA administrator's website or by using your FSA debit card, if you've been provided one.
Does the money in my Flexible Spending Account (FSA) carry over from year to year or do I lose it at the end of the year?
Your employer determines how your plan works. Employers can elect to offer a carryover. Carryover is a dollar amount (up to the Internal Revenue Service limit) of unused funds to use your new plan year. Any balance after that is forfeited to your employer. A grace period is extra days to incur new expenses and use funds after the plan year ends. Employers can't have both; they must only select one option. After that, any unused balance for the previous year goes back to your employer. Check your plan documents for what is allowed by your employer.
What is the run-out period on a Flexible Spending Account (FSA)?
The run-out period is the time limit for submitting receipts for expenses incurred during the plan year. Check your plan documents for the run-out period allowed by your employer.
Does the carryover amount limit my future plan year Flexible Spending Account (FSA) election?
Does the carryover amount limit my future year Health Care Flexible Spending Account (FSA) election?
I'm thinking about setting up a Health Savings Account (HSA). Does my Flexible Spending Account (FSA) carryover affect my HSA eligibility?
Internal Revenue Service guidelines state that you can't have both an HSA and a FSA. During open enrollment, if you elect an HSA plan, you may not re-enroll in an FSA. If your employer offers a Limited Purpose FSA, you may enroll in it.
How much can I put into my Dependent Care Flexible Spending Account (DCA)?
Visit www.irs.gov for the most current maximum amounts.
My spouse also has a Dependent Care Flexible Spending Account (DCA). Can we both contribute up to $5000?
No. The combined DCA contributions can't total more than the Internal Revenue Service maximum per plan year, per household.
If I have a Dependent Care Flexible Spending Account (DCA), do I need to report anything on my tax return? What do I need to do for taxes if I have a DCA?
Your DCA withholdings are reported on your W-2.
How do I keep track of my Flexible Spending Account (FSA) account activity?
By logging onto your administrator's member portal.
Where can I get a Flexible Spending Account (FSA) reimbursement claim form?
By logging onto your administrator's member portal.
What do I need to submit along with a Flexible Spending Account (FSA) reimbursement form?
You must submit documentation. It can be an itemized receipt, invoice, explanation of benefits or other, but must include the patient's name, name of the provider/pharmacy, the service/item purchased, date of the service/transaction and dollar amount.
What is substantiation for a Flexible Spending Account (FSA)?
When you use your FSA debit card, sometimes you may get an email or letter that asks you to "substantiate" a charge or claim. That just means supporting documentation is needed to make sure your FSA funds were used for eligible expenses.
If I forget to submit a claim to my Flexible Spending Account (FSA) what happens?
You can submit a claim to your FSA that occurred anytime within the plan year up until the run-out period. Any claims submitted after the run-out date won't be approved.
Can I make changes to any of my Flexible Spending Accounts (FSAs) throughout the year?
You can only enroll and set how much you're putting into it during your employer's open enrollment period. However, if you have a change in your life such as getting married or divorced, a new child, moving, etc., contact your company's human resources department. You may qualify for a special enrollment period, and you'll be able to make changes to your FSA.
What happens to my Flexible Spending Account (FSA) if I stop working for my employer?
Your employer decides if your FSA has a run-out period. During a run-out period, you can submit a claim for expenses from the FSA plan year. Unused funds will be forfeited. Contact your employer for details.
How do I get reimbursed from my Flexible Spending Account (FSA)?
Each FSA administrator is different. However, many offer an FSA debit card, a paper form for reimbursement, or a member portal for electronic reimbursement requests.
How often can I request reimbursements from my Flexible Spending Account (FSA)?
Reimbursements can be requested when a qualified expense is incurred during the plan year and before the end of the FSA run-out period (or grace period if applicable).
Is there a deadline for submitting requests to a Flexible Spending Account (FSA)?
FSA plans typically include a time past the plan year for reimbursement requests for expenses during the plan year (known as a run-out period) or expenses up to the end of the extension (known as a grace period). Contact your employer for details.
What is the deadline for using the Dependent Care Flexible Spending Account (DCA) funds?
The deadline for using DCA funds is the last day of the plan year.
Can I change my Dependent Care Flexible Spending Account (DCA) election amount?
Elections for DCA are made during open enrollment and can't be changed unless you experience a qualifying life event. Contact your employer for details.
What happens once I submit my application through the Health Insurance Marketplace?
Once we receive enrollment data from a state health insurance exchange marketplace, we process the information as quickly as possible and mail a payment letter to you as the customer. This payment letter serves as your receipt of enrollment. When everything works smoothly, this should only take about 10 days. However, sometimes processing the data can take time, especially if we need to go back and make sure any of the information is correct. There can also be issues with the initial application that keeps us from being able to process it, which will need to be corrected at your state's health insurance exchange marketplace. If you've been waiting longer than a couple of weeks to receive your letter, you will want to check on the status of your application - either with us or with the health insurance exchange marketplace. Click on the Contact Us tab to speak with an Anthem representative.
When will I receive my ID card? And can I get care before I get my card?
You should receive your ID card within about 10 days of paying your first premium. If you need care and you haven't gotten your ID card yet, ask your doctor to call us to confirm your benefits — and to make sure they're in your health plan network.
Can I pay my premium or monthly payment online?
Yes, if you have individual or family coverage. You can make your initial premium payment securely through our website.
What happens if I get behind on my premium or monthly payments?
Call us at the number on the back of your Anthem ID card. There is a grace period to help you avoid having your coverage canceled. If you pass the grace period, your policy is canceled from the date you stopped paying. Any claims you had during that time will be denied and you will be responsible for full payment of the health care services you received. You can re-enroll during the next yearly open enrollment.
How do I switch to getting communications like my Explanation of Benefits electronically?
Log in and go to your profile. You can change your preferences for how we communicate with you.
When does my coverage or benefits start?
Once you receive your payment letter, it will share directions for you to pay the first month's premium. Payment of the first monthly premium is required to start the policy according to the details shared in your letter. You must take this step to activate your policy before your health insurance identification cards (ID cards) can be mailed.
Why won't Anthem share information with me about the care/coverage of family members?
If you're the primary person on your policy, you can view your info as well as some of your dependents'. When dependents are over 18, we have certain privacy rules in place that may restrict your access. But you can always change that by having that dependent log into their own profile and change who can view their info.
What happens to my group health benefits when I turn 65 and /or become eligible for Medicare?
By law you’re allowed to keep your group health benefits even when you’re eligible for Medicare. Some plans work well with Medicare benefits, or there may be reasons to keep your other coverage. Send us a quick message by logging in and going to your message center. Or you can call us at the number on your ID card.
Reminder: If your group benefits end and you’re eligible to enroll in Medicare Part B, do it within 80 days after your group health benefits end - or you could pay more.
What happens to my coverage if I move out of the area?
Typically, if you are the subscriber continuing with the same employer, and you move outside of the area we serve, if your place of employment is not located within the service area, your coverage and your dependents' coverage terminates as of your moving date. Potentially, your coverage may be picked up by the local Blue Plan (visit bcbs.com for details). If you are a covered dependent and you move out of the service area, you may still be eligible for coverage. Check your contract or Certificate for more information.
What happens to my coverage if I quit my job or I'm laid off or fired?
Check with your employer, as well as your contract or Certificate for more information. There is a federal law known as COBRA which might apply. If COBRA applies to you, you have an opportunity to remain covered under your employer's coverage for some period of time, provided you pay the full amount of your premium. You may also be eligible to convert to an individual policy of coverage offered by Anthem. This is typically known as a "conversion privilege".
Note: If a service was authorized by us before termination, but is not rendered until after your coverage ends, Anthem is not responsible for paying benefits for such services.
What happens to my coverage if I retire?
Check your contract or Certificate for more information. There are several possibilities:
- If you are eligible under a federal law known as COBRA, you may have an opportunity to remain covered under your employer's coverage for some period of time, provided you pay the full amount of your premium.
- Your employer may offer retiree coverage.
- You may have the opportunity to convert to an individual policy offered by Anthem.
- You may have the opportunity to continue coverage under your group coverage.
Contact your employer or Customer Care for more information and for eligibility guidelines that apply to you.
What if I become disabled?
If you are the employee through whom you and your dependents are receiving benefits, you will need to check your contract or Certificate and talk to your employer for more information. If a covered dependent becomes disabled, coverage for that dependent may continue while your coverage is in force until the dependent is Medicare eligible. Contact your employer or Customer Care for more information and for eligibility guidelines that apply.
What happens to the coverage if my spouse and I divorce?
Typically, if your spouse was covered under your health benefit plan, he/she would cease being eligible for coverage through your contract upon the divorce. However, because of a federal law known as COBRA which might apply, your former spouse may be able to retain independent coverage under your employer's coverage for some period of time, provided he or she pays the full amount of their premium. He or she might also be able to obtain coverage through his/her employer, through other affiliations, or purchase individual coverage. He or she may also be eligible to convert to an individual policy of coverage offered by Anthem.
If new coverage is obtained within certain time frames, waiting periods and medical underwriting might not apply. Contact your employer, your Certificate or Customer Care for more information and for any guidelines that apply.
Do I have coverage for pre-existing conditions?
Check your contract or Certificate. If you are covered through an HMO benefit design, pre-existing conditions will be covered. In other types of product designs, it will depend on what your contract says, and whether or not you were covered by another contract prior to being covered through your current contract. Contact Customer Care for more information and for guidelines that apply to you.
How do I view and pay my doctor bills on this site?
We'll notify you when you have a new doctor bill available to view on our website. You'll log in to view your bills and the amount owed to your doctor. You can make a payment by accessing the Payments & Billing page and then selecting the Pay Doctor Bill tab.
What types of payments are accepted?
The InstaMed service accepts credit or debit card payments as well as payments from a checking or savings account. Your doctor may accept all or some of these payment types. When you enter your payment information, you'll be able to select from the payment types available for that doctor.
Is my payment information secure?
We chose InstaMed as our online payment service because keeping your information secure is a top priority.
InstaMed is certified as a Level One v3.2 Service Provider with the Payment Card Industry Data Security Standard (PCI DSS), as well as the Visa Cardholder Information Security Program (CISP) and Mastercard Site Data Protection (SDP) Program.
Can I save my payment information for future use?
Yes, the InstaMed service offers a secure digital wallet that allows you to save payment information to use for future payments.
When will my doctor receive my payment?
Payments made on our website using the InstaMed service will be sent to your doctor within one to two business days. Electronic payments will be received by your doctor as soon as the next day. If your financial institution mails your payments, they will be received within seven to 10 business days.
Note: For mailed payments, your doctor must accept and process the payment they receive. If this hasn't occurred within six to eight weeks, InstaMed will cancel the payment and credit your account for a full refund. If a refund occurs, you should contact your doctor's office to complete payment.
How can I tell if one of my doctor bills has already been paid?
Once you log in to view your doctor bills and the amount owed to your doctor, you can see which bills have already been paid by selecting Show All Bills I Paid on the filter selection under Show my bills with an amount I owe.
What is InstaMed?
InstaMed's service lets you pay your doctor bill directly, using our website. We partnered with InstaMed to bring you simple payment options through a safe and secure service.
What is Precertification (also known as Prior Authorization)?
Precertification is a required review of a service, treatment or admission for a benefit coverage determination which is done before the service or treatment begins or admission date. Certain services require precertification in order for you to get benefits. Precertification includes a review to decide whether the service, treatment or admission is considered medically necessary or is experimental/ investigational under the terms of your plan.
What services and treatments require Precertification?
In general, the following treatments and services must be pre-certified. This is not a comprehensive list and coverage and/or precertification requirements may vary depending on your plan.
- Advanced Imaging (CT, MRA/MRI, PET)
- Air/Water Ambulance (non-emergency)
- Bariatric/Gastric Surgeries
- Cardiology - Cardiovascular Services and Imaging
- Endoscopies
- Enteral/Parenteral Nutrition
- Genetic Testing
- Hearing and Speech Devices
- Home Health Care
- Hyperbaric Oxygen Therapy
- Hysterectomies
- Inpatient Admissions/Services
- Infertility Treatments
- Joint Surgeries/Procedures
- Medical Oncology Drugs
- Orthotics/Prosthetics
- Out of Network Referrals/Services
- Pain Management Procedures/Injections
- Physical/Occupational/Speech Therapy
- Potential Cosmetic/Reconstructive Procedures
- Private Duty/Skilled Nursing (home setting)
- Radiation Therapy
- Select Durable Medical Equipment (DME)
- Select Injectable Therapy
- Select Mental Health/Substance Abuse Services
- Select Surgical Procedures
- Sleep Studies/Therapy
- Spinal Surgeries/Procedures
- Transplants
You can also check to see what services might require a precertification by calling Member Services at the number listed on the back of your member identification card. To find out more about how to request precertification review you can contact Member Services at the number listed on the back of your member identification card.
Please check your plan for details about covered benefits, copayments, coinsurance, deductibles, and exclusions or call member services for help with your questions.
What's a Consumer-Driven Health Plan?
A Consumer-Driven Health Plan (CDHP) is a high-deductible plan that also includes a tax-free Health Savings Account (HSA) or Health Reimbursement Account (HRA). Depending on your plan, you may put tax-free money into your account, or your employer might put money in, for example, as a reward for steps you've taken toward better health. Then, you use that money for your share of care costs, such as your deductible or coinsurance.
It's called "consumer-driven" because it puts you in the driver's seat of your health and health care spending. With your check-ups and preventive care likely covered at 100 percent by your plan, as well as tools to help you stay healthy and the ability to shop around for quality care at more reasonable costs, you might be able to use your CDHP to cover most if not all your health care costs.
Can I have both a Health Savings Account (HSA) and a Flexible Savings Account (FSA)?
You're eligible to have both only if the FSA has been defined as a Limited Purpose FSA, which may be limited to dental and/or vision services.
How is a Health Savings Account (HSA) funded?
Your HSA is funded by your own pre-tax contributions, up to a certain annual limit. You may also contribute post-tax money to your HSA. Others (including your employer) may contribute to your account as well. The total of all contributions cannot exceed the maximums defined by the U.S. Department of the Treasury and the Internal Revenue Service.
How do I make contributions to my Health Savings Account (HSA)?
The easiest way is through pre-tax payroll deductions, if allowed by your employer. However, you may also contribute directly to your HSA post-tax by following your bank's defined contribution process.
How much can I contribute to my Health Savings Account (HSA)?
Contribution maximums are defined by the U.S. Department of the Treasury and the Internal Revenue Service and may increase for inflation annually. Go to www.irs.gov for the most current maximum amounts.
Customer Support
What's a consumer driven health plan?
Consumer-driven health plan (CDHP) is a high-deductible plan that also includes a tax-free health savings account (HSA), health incentive account (HIA) or health reimbursement account (HRA). You may put tax-free money into your account, or your employer might put money in - sometimes as a reward for steps you’ve taken for better health, depending on your plan. Then you use that money for your share of care costs, like your deductible or coinsurance.
It’s called consumer-driven because it puts you in the driver’s seat of your health and health care spending. With your checkups and preventive care likely covered at 100%, and tools to help you stay healthy and shop around for quality care at more reasonable costs - you might be able to cover all your costs with the money in your account.
What's a Health Savings Account (HSA) plan?
Health Savings Account (HSA) plan is a high-deductible plan that also includes a tax-free HSA. You can put tax-free money into it. Then use that money for your share of care costs, like your deductible or coinsurance. You can see all of the types of costs you can cover with money in your HSA. But remember that only cost your plan covers will go toward paying down your deductible.
It gives you the flexibility of a PPO - you can often go to doctors in and out of your network, though you’ll get better rates with in-network doctors. HSA plans tend to have lower monthly premiums than similar PPOs, and sometimes even HMOs.
It’s sometimes called a consumer-driven health plan (CDHP) because you’re in more control of your care spending at first. With your checkups and preventive care likely covered at 100%, and tools to help you stay healthy and shop around for quality care at more reasonable costs - you might be able to cover all your costs with the money in your account.
How does my HSA work?
You (or sometimes your employer) can put tax-free money into your health savings account (HSA). Then you use that money to pay for your share of care costs, like your deductible or coinsurance. Some people cover for all their care costs with their HSA dollars - since your checkups and other preventive care are already covered at 100%. Also, your plan comes with tools to help you find quality care at a lower cost.
If you still have money left in your account, it stays in there for next year and beyond. And you can also take it with you if you change health plans. View IRS rules on paying costs with money in your HSA.
What's a Health Incentive Account (HIA)?
A health incentive account (HIA) is a health account set up by your employer health plan. You earn dollars in your account when you take certain steps to improve your health. You use that money to pay for your share of care costs, like your deductible or coinsurance. If you don’t use all the money, it stays in there next year as long as you’re still at the same job.
How does my HIA work?
Your employer puts money into your health incentive account (HIA) when you take certain steps to improve your health. You use that money to pay for your share of care costs, like your deductible or coinsurance. If you don’t use all the money, it stays in there next year as long as you’re still at the same job.
Are there different types of Flexible Spending Accounts (FSAs)?
Yes. The three main types of FSAs are:
- Health care FSA for qualified medical, dental, vision or other health care costs, including insurance deductibles, co-payments, and co-insurance.
- Dependent care FSA for child, elder or other dependent care.
- Limited purpose FSA for qualified dental and vision care costs only when combined with a Health Savings Account (HSA) or a Health Reimbursement Account (HRA).
Am I eligible to participate in a Flexible Spending Account (FSA)?
To be eligible for an FSA, your employer must offer it. You don’t have to participate in your employer’s health plan. You must elect to participate in the FSA during your employer's open enrollment.
For a Dependent Care Flexible Spending Account (DCA), you must have children under the age of 13 (if divorced, you must be the custodial parent) or you must claim an adult dependent on your tax return who’s physically or mentally unable to care for themselves.
Do I need to enroll in a Flexible Spending Account (FSA) each plan year?
Yes, you’ll need to elect to participate in an FSA each plan year during your employer's open enrollment.
Which dependents are eligible under a Dependent Care Flexible Spending Account (DCA)?
Qualified individuals must meet one of the following criteria: children under the age of 13 or any adult you can claim as a dependent on your tax return who is physically or mentally unable to care for themselves.
Are Dependent Care Flexible Spending Account (DCA) rules different for a divorced parent?
To qualify for a DCA, you must be the custodial parent, even if you don’t claim your child as a tax dependent.
If I work part time, can I still have a Dependent Care Flexible Spending Account (DCA)?
Typically, anyone whose employer offers a DCA can participate. As a rule, your DCA can only cover expenses incurred during work hours. Ask your employer’s benefits team to verify eligibility.
What kinds of expenses are covered by a Flexible Spending Account?
Qualified medical expenses include medical, dental, vision and prescription expenses. Visit this website for more information:
Are over-the-counter medicines eligible expenses for a Flexible Spending Account (FSA)?
Yes, FSA funds can be used for over-the-counter medicines without a prescription. Visit this website for more information:
What expenses are covered under a Dependent Care Flexible Spending Account (DCA)?
To qualify, dependent care must be essential for you and a spouse (if applicable) to work, look for work or attend school full-time. Typical eligible expenses include:
- Before and after school care programs
- Preschool or nursery school
- Extended day programs and summer day camp
- Babysitter (in or out of your home)
- Nanny and au pair services
- Daycare and eldercare facilities
What expenses aren’t covered by a Dependent Care Flexible Spending Account (DCA)?
Expenses not related directly to care of the dependent (i.e., tuition, food, etc.) aren’t eligible. Examples include:
- Educational expenses (summer school and tutoring)
- Tuition for kindergarten and above
- Overnight camp
- Field trip expenses and fees
- Housekeeping services
- Dependent care expenses incurred if your spouse doesn’t work, unless your spouse is a full-time student or is disabled
How do I know which expenses are considered work related and covered by a Dependent Care Flexible Spending Account (DCA)?
The work-related expense test is the standard the Internal Revenue Service uses to determine if expenses are work related for a DCA. An expense isn’t considered work related just because you had it while you were working. Expenses are considered work related only if both of the following are true:
- They allow you (and your spouse if filing jointly) to work or look for work.
- They’re for a qualifying person’s care.
Is there a limit to how much I can contribute to my Flexible Spending Account (FSA)?
Contribution maximums are defined by the U.S. Department of the Treasury and the Internal Revenue Service and may increase for inflation annually. Visit www.irs.gov for the most current maximum amounts.
Can my spouse also contribute to a Flexible Spending Account (FSA)?
Your spouse can also contribute up to the annual contribution maximum to their separate FSA. Visit www.irs.gov for the most current maximum amounts.
How much is available throughout a Flexible Spending Account (FSA) plan year? How can I access the money in my FSA?
The entire amount you’ve elected to put into your FSA is available on day one of your plan, even if you’re contributing a portion each month. You can use your funds by logging into your FSA administrator’s website or by using your FSA debit card, if you’ve been provided one.
Does the money in my Flexible Spending Account (FSA) carry over from year to year or do I lose it at the end of the year?
Your employer determines how your plan works. Employers can elect to offer a carryover. Carryover is a dollar amount (up to the Internal Revenue Service limit) of unused funds to use your new plan year. Any balance after that is forfeited to your employer. A grace period is extra days to incur new expenses and use funds after the plan year ends. Employers can’t have both; they must only select one option. After that, any unused balance for the previous year goes back to your employer. Check your plan documents for what is allowed by your employer.
What is the run-out period on a Flexible Spending Account (FSA)?
The run-out period is the time limit for submitting receipts for expenses incurred during the plan year. Check your plan documents for the run-out period allowed by your employer.
Does the carryover amount limit my future plan year Flexible Spending Account (FSA) election?
Does the carryover amount limit my future year Health Care Flexible Spending Account (FSA) election?
I'm thinking about setting up a Health Savings Account (HSA). Does my Flexible Spending Account (FSA) carryover affect my HSA eligibility?
Internal Revenue Service guidelines state that you can’t have both an HSA and a FSA. During open enrollment, if you elect an HSA plan, you may not re-enroll in an FSA. If your employer offers a Limited Purpose FSA, you may enroll in it.
How much can I put into my Dependent Care Flexible Spending Account (DCA)?
Visit www.irs.gov for the most current maximum amounts.
My spouse also has a Dependent Care Flexible Spending Account (DCA). Can we both contribute up to $5000?
No. The combined DCA contributions can’t total more than the Internal Revenue Service maximum per plan year, per household.
If I have a Dependent Care Flexible Spending Account (DCA), do I need to report anything on my tax return? What do I need to do for taxes if I have a DCA?
Your DCA withholdings are reported on your W-2.
How do I keep track of my Flexible Spending Account (FSA) account activity?
By logging onto your administrator’s member portal.
Where can I get a Flexible Spending Account (FSA) reimbursement claim form?
By logging onto your administrator’s member portal.
What do I need to submit along with a Flexible Spending Account (FSA) reimbursement form?
You must submit documentation. It can be an itemized receipt, invoice, explanation of benefits or other, but must include the patient’s name, name of the provider/pharmacy, the service/item purchased, date of the service/transaction and dollar amount.
What is substantiation for a Flexible Spending Account (FSA)?
When you use your FSA debit card, sometimes you may get an email or letter that asks you to “substantiate” a charge or claim. That just means supporting documentation is needed to make sure your FSA funds were used for eligible expenses.
If I forget to submit a claim to my Flexible Spending Account (FSA) what happens?
You can submit a claim to your FSA that occurred anytime within the plan year up until the run-out period. Any claims submitted after the run-out date won’t be approved.
Can I make changes to any of my Flexible Spending Accounts (FSAs) throughout the year?
You can only enroll and set how much you’re putting into it during your employer’s open enrollment period. However, if you have a change in your life such as getting married or divorced, a new child, moving, etc., contact your company’s human resources department. You may qualify for a special enrollment period and you’ll be able to make changes to your FSA.
What happens to my Flexible Spending Account (FSA) if I stop working for my employer?
Your employer decides if your FSA has a run-out period. During a run-out period, you can submit a claim for expenses from the FSA plan year. Unused funds will be forfeited. Contact your employer for details.
How do I get reimbursed from my Flexible Spending Account (FSA)?
Each FSA administrator is different. However, many offer an FSA debit card, a paper form for reimbursement or a member portal for electronic reimbursement requests.
How often can I request reimbursements from my Flexible Spending Account (FSA)?
Reimbursements can be requested when a qualified expense is incurred during the plan year and before the end of the FSA run-out period (or grace period if applicable).
Is there a deadline for submitting requests to a Flexible Spending Account (FSA)?
FSA plans typically include a time past the plan year for reimbursement requests for expenses during the plan year (known as a run-out period) or expenses up to the end of the extension (known as a grace period). Contact your employer for details.
What is the deadline for using the Dependent Care Flexible Spending Account (DCA) funds?
The deadline for using DCA funds is the last day of the plan year.
Can I change my Dependent Care Flexible Spending Account (DCA) election amount?
Elections for DCA are made during open enrollment and can’t be changed unless you experience a qualifying life event. Contact your employer for details.
What happens once I submit my application through the Health Insurance Marketplace?
Once we receive enrollment data from a state health insurance exchange marketplace, we process the information as quickly as possible and mail a payment letter to you as the customer. This payment letter serves as your receipt of enrollment. When everything works smoothly, this should only take about 10 days. However, sometimes processing the data can take time, especially if we need to go back and make sure any of the information is correct. There can also be issues with the initial application that keeps us from being able to process it, which will need to be corrected at your state’s health insurance exchange marketplace. If you’ve been waiting longer than a couple of weeks to receive your letter, you will want to check on the status of your application - either with us or with the health insurance exchange marketplace. Click on the Contact Us tab to speak with an Anthem representative.
When will I receive my ID card? And can I get care before I get my card?
You should receive your ID card within about 10 days of paying your first premium. If you need care and you haven’t gotten your ID card yet, ask your doctor to call us to confirm your benefits -and to make sure they’re in your health plan network.
Can I pay my premium or monthly payment online?
Yes, if you have individual or family coverage. You can make your initial premium payment securely through our website.
What happens if I get behind on my premium or monthly payments?
Call us at the number on the back of your Anthem ID card. There is a grace period to help you avoid having your coverage canceled. If you pass the grace period, your policy is canceled from the date you stopped paying. Any claims you had during that time will be denied and you will be responsible for full payment of the health care services you received. You can re-enroll during the next yearly open enrollment.
How do I switch to getting communications like my Explanation of Benefits electronically?
Log in and go to your profile. You can change your preferences for how we communicate with you.
When does my coverage or benefits start?
Once you receive your payment letter, it will share directions for you to pay the first month’s premium. Payment of the first monthly premium is required to start the policy according to the details shared in your letter. You must take this step to activate your policy before your health insurance identification cards (ID cards) can be mailed.
Why won't Anthem share information with me about the care/coverage of family members?
If you’re the primary person on your policy, you can view your info as well as some of your dependents’. When dependents are over 18, we have certain privacy rules in place that may restrict your access. But you can always change that by having that dependent log into their own profile and change who can view their info.
How do I submit a Complaint?
Log in and send us a message through your Message Center.
What's a Consumer-Driven Health Plan?
A Consumer-Driven Health Plan (CDHP) is a high-deductible plan that also includes a tax-free Health Savings Account (HSA) or Health Reimbursement Account (HRA). Depending on your plan, you may put tax-free money into your account, or your employer might put money in, for example, as a reward for steps you’ve taken toward better health. Then, you use that money for your share of care costs, such as your deductible or coinsurance.
It’s called "consumer-driven" because it puts you in the driver’s seat of your health and health care spending. With your check-ups and preventive care likely covered at 100 percent by your plan, as well as tools to help you stay healthy and the ability to shop around for quality care at more reasonable costs, you might be able to use your CDHP to cover most if not all your health care costs.
Dependent Care
How can I cover my newborn from birth?
Check your contract or Certificate for details. In most contracts, newborns are covered for their first 31 days of life automatically. Typically, you must enroll your newborn within 31 days from the date of the child's birth to continue coverage without interruption beyond the 31st day. Unless your contract or Certificate states otherwise, a newborn child of a dependent son or daughter does not qualify as a dependent under your coverage.
How do I obtain coverage for my new adopted child?
Check your contract or Certificate for details. In most contracts, adopted children are automatically covered for 31 days from the date of placement or adoption, whichever is earlier. Typically, you must enroll your adopted child within 31 days from the date of the child's placement with you or date of adoption, whichever is earlier to continue coverage without interruption beyond the 31st day. Unless your contract or Certificate states otherwise, an adopted child of a dependent son or daughter does not qualify as a dependent under your coverage.
How do I add or delete family members from coverage?
Check your contract or Certificate. Typically, you need to contact us directly, or via your group if applicable, within 31 days of the event giving rise to the change. Requests for changes in eligibility need to be in writing.
Call Customer Support during normal business hours and request a Change of Eligibility Form. Customer Support numbers can be found on your insurance ID card and are specific to your account and plan.
Note that at any time we discover a person's ineligibility, we may cancel their coverage immediately, and recover from you the costs of any benefits paid on behalf of such person during the period of ineligibility.
Can I cover a dependent who lives out-of-state or my child away at school?
Check your contract or Certificate. If a court order requires that you provide coverage for a child who is out-of-state, you must notify us of the court order within 31 days of its receipt, in order for coverage to be effective.
If you are covered through an HMO benefit design and your child is going to college outside of our service area, there may be special circumstances under which your child may be eligible for coverage other than emergency or urgent care benefits. If you are covered through a benefit design other than an HMO product, benefits may be covered for your child who is outside of our service area.
Children inside the service area are typically eligible for coverage, provided they meet the definition of "dependent" under your contract or Certificate. Contact Customer Service for more information and for eligibility guidelines that apply.
How long can my children remain covered?
For plan years beginning on or after September 23, 2010, it has been our policy that children can remain on their parent's health plan until the end of the month they turn 26. Some self-insured plans or state mandates require us to administer to a different time period or age.
We always recommend that you check your plan specifics. Additionally, a dependent is defined as a child of the subscriber or participant who is under the age of 26. Financial dependency on or residency with the subscriber or participant is not required. Additionally, there is no requirement to be unmarried, student, employed or any combination of these factors.
Plans are also required to provide access to coverage regardless of a dependent's eligibility for other coverage, except for grandfathered group plans prior to 2014. For these grandfathered plans, groups may choose to exclude coverage for children under a parent's policy if they are eligible for their own employer sponsored coverage. For states or plans that cover other children (i.e., step children, children of domestic partners, etc.), that definition will not change.
How long can my child be covered if he or she has disabilities?
Check your contract or Certificate. Typically, eligibility will be continued past the standard age limits specified in your contract or Certificate only for those already enrolled, unmarried children who cannot work to support themselves due to certain mental or physical disabilities. These children must be allowed as federal tax exemptions for the subscriber or the subscriber's spouse.
Under many health benefit plans, the disability must have started prior to the end of the period for which they would have otherwise been eligible under your coverage. We must be notified of the disability within 31 days after the child would normally have become ineligible, and we have the right to determine whether the child's condition meets our criteria for being covered under the coverage beyond the normal end date.
From time to time, you may be asked to submit proof of continued disability. Failure to provide that information could result in termination of the child's coverage.
Where can I find benefit and claim information for my dependents?
Once you're logged in, you can quickly view your benefit or claim information for you and potentially for your dependents on the policy. Dependents who are 18 years or older can adjust their settings in their profile online at any time and may or may not allow you to view their information online. A dependent can be a spouse, partner or child who is covered on the primary health insurance policy.
Doctors – Hospitals – Facilities
What's the difference between doctors or hospitals in the network and outside of the network?
Doctors, hospitals, facilities (such as labs) and other professionals who give health care services may have a contract with us. If they do, they're in our network - also called in-network providers. That means they've shown they provide quality care and they accept our payment rates when our members go to them for care. If they don't have a contract with us, they're outside of our network - or out of network providers.
Why should I use providers in the network?
Many of our networks are made up of providers who meet high quality standards. Network providers are responsible for getting any needed preauthorization (approval) of your care. They also file your claim for you and will seek payment from us for covered services. When you see network providers, you only have to pay the copays, deductibles and coinsurance required by hour health plan.
If you get treatment from a provider outside the network, you may be responsible for getting preauthorization for a proposed service. You could have to pay more for services done outside of your network. Check your plan document (your contract, Evidence of Coverage, Summary of Benefits, Certificate of Coverage, or Member Handbook, etc.) for details.
If you have questions or to check if your treatment needs preauthorization, call the Member Services number listed on the back of your ID card.
Can I go to a provider outside the network?
Yes, although it does not make the most of your benefits and may end up costing you more. Check your plan document (your contract, Evidence of Coverage, Summary of Benefits, Certificate of Coverage, or Member Handbook, etc.) to learn more.
NOTICE: There are hospitals, health care facilities, physicians or other health care providers who are not included in every plan network. Your financial responsibilities for payment of covered services may differ if you use a network provider or a non-network provider. Please refer to the online Find Care tool to determine if a particular provider is in the network or contact customer service for assistance.
What do I do if my current doctor is not a network provider?
You could ask your doctor to call us and apply to join the network. Until your doctor becomes a provider in the network, changing to a network doctor will help you pay less and make the most of your benefits.
What is a primary care physician (PCP)?
A primary care physician (PCP) is your main doctor. Always try to go to your PCP first for health concerns or questions.
Your PCP coordinates any other care you need, such as a visit to a specialist or a hospital stay. You may need to contact your PCP to get an OK (prior authorization) before you get certain services.
Most PCPs are family or general practitioners, internists, or pediatricians. These types of doctors have gone to school to learn about all areas of health. That way, they can get a strong, overall picture of your health.
Not all health plans require you to have a PCP. Check your plan document (your contract, Evidence of Coverage, Summary of Benefits, Certificate of Coverage, or Member Handbook, etc.) for details.
What if my primary care physician or primary doctor can't see me right away?
In emergencies, call 9-1-1 or go to the nearest hospital - you don’t need an OK from us or your PCP. But be careful not to use the emergency room unless it really is an emergency.
If it’s not an emergency, you can see a doctor right away online, using your phone or computer at livehealthonline.com. Depending on your plan, it’s likely about the same cost as your doctor.
You can also use our Find Care tool to look for an urgent care center - or a clinic in a retail shopping store. You can usually walk in without an appointment needed. And they can handle lots of urgent health issues like a flu or cold, allergies, prescribing medication, even small fractures, and X-rays.
What if I need to see a specialist?
You may need to contact your Primary Care Physician (PCP) to get an OK (prior authorization) before you get certain services, including behavioral health services. Your PCP will work with you to decide if you need to see a specialist. If so, your PCP will refer you to a network specialist. If you have to refer yourself to a specialist, you can search for a network specialist in our online directory. Check your plan document (your contract, Evidence of Coverage, Summary of Benefits, Certificate of Coverage, or Member Handbook, etc.) for details.
How long should it take for my doctor to see me if I have an urgent medical need?
If your primary doctor can’t see you that day or the next, you should find an urgent care clinic nearby. Under Find Care, select Find Urgent Care for one in your network.
How long should it take me to get an appointment with my doctor, when it's not for an urgent need or emergency?
It can take up to 10 business days or two weeks.
I need to reach my primary care physician (PCP) but it's after office hours. What do I do?
Call them. They should always have someone available, or a recorded message to help you get the care you need.
What are the different types of doctors and hospitals?
Get a full list of the types of doctors, hospitals and other health care providers. Log in to and choose Find Care.
How do I use an NPI (National Provider Identifier) or license number to find a care provider?
Simply enter the number into the Find Care search bar and hit enter.
Emergency Care
What do I do in an Emergency?
Call 911 or go to the closest emergency room anytime you have a life-threatening emergency. If you’re not sure it’s an emergency, call your doctor’s office for advice.
A guide to whether it’s an emergency is if your symptoms are so severe that you believe not getting medical care right away could place your or someone else’s health (or the health of an unborn child) at risk OR cause major harm to a body function or part.
Examples of an emergency include when someone:
- May die
- Has chest pains
- Cannot breathe or is choking
- Has passed out or is having a seizure
- Is sick from poisoning or a drug overdose
- Has a broken bone
- Is bleeding a lot
- Has been attacked
- Is about to deliver a baby
- Has a serious injury
- Has a severe burn
- Has a severe allergic reaction or has an animal bite
- Has trouble controlling behavior and without treatment is dangerous to self or others
If you feel you’re having an emergency, you don’t need an OK from us or your PCP to get care.
What is an urgent medical condition?
An urgent medical condition is not an emergency but needs medical care within 24 to 48 hours.
Here are some examples of urgent medical conditions:
- Earaches
- Fever
- Stomach pain
- Vomiting
- Minor burns
- Sprains
Does my plan cover me for emergency care or urgent care?
Yes. You are covered for emergency or urgent care even if you are outside of our service area. It's helpful if you find the hospital and urgent/walk-in center nearest your home and call to ask if they have a contract with your health plan. (Do this before an emergency or urgent situation arises.)
What do I do if I am outside of the U.S. and need emergency or urgent care?
Go to the nearest health care facility. Call your doctor or us within 24 hours, or as soon as you can. When your care is done, you will need to pay the bill. (You may want to use a credit card. The credit card company will automatically transfer the foreign currency into American dollars for you.) Keep all your receipts.
When you get home, call us at the number on the back of your member ID card or stop by your employer's personnel office and ask for a claim form. Fill out the claim form and submit it with your receipts to our address on the form. (The amount submitted must be in American dollars). We will pay you back based on your health plan benefits.
Does my plan cover me for emergency care or urgent care?
Yes. For emergency care, you’re covered virtually anywhere you go. You have urgent care centers and walk-in clinics in your health plan network. Even if you’re away from home, you can see a doctor online anytime at LiveHealthOnline.com. Or call us at the number on your BlueCross BlueShield of Georiga ID card for help.
Health & Wellness
How do I know if a breast pump is covered?
It is always important to check your member benefits to confirm coverage of a breast pump. A breast pump is considered Durable Medical Equipment.
What if I still have questions about breast pump programs?
Please contact customer service by calling the telephone number on the back of your member identification card.
Customer service can also guide you through a variety of programs and services we offer to support breastfeeding mothers.
Laws and Rights That Protect You
What is a Grandfathered Health Plan?
Certain health plans that were in effect prior to March 23, 2010, may be "grandfathered health plans" under the Patient Protection and Affordable Care Act. If your plan is grandfathered, then your plan will include some consumer protections from the Affordable Care Act, but may not include other protections that apply to non-grandfathered health plans. If your plan is a grandfathered health plan, notice indicating that fact will be contained in your Certificate Booklet or your group's summary plan description.
What are my rights as a member?
As a member, you have rights and responsibilities when receiving healthcare. As your healthcare partner, we want to make sure your rights are respected, while providing your health benefits. That means giving you access to our network of doctors and healthcare professionals, who help you make the best decisions for your health.
You have the right to:
- Speak freely and privately with your doctors and other healthcare professionals about healthcare options and treatment needed for your condition, no matter what the cost or whether it is covered under your plan.
- Work with your doctors and other healthcare professionals to make choices about your healthcare.
- Be treated with respect and dignity.
- Expect us to keep your personal health information private by following our privacy policies and state and Federal laws.
- Receive information you need to fully engage with your health plan and also share feedback. This includes:
- Our company and services.
- Our network of doctors and other healthcare professionals.
- Your rights and responsibilities.
- The way your health plan works.
- Your health plan and any care you receive.
- Any covered service or benefit decision that your health plan makes.
You have the responsibility to:
- Read all information about your medical benefits under the plan and ask for help if you have questions.
- Follow all medical Plan rules and policies.
- Choose a Network primary care physician, also called a PCP, if your health plan requires it.
- Treat all healthcare professionals and staff with respect.
- Keep all scheduled appointments. Call your doctor’s office if you may be late or need to cancel.
- Understand your health challenges as well as you can, and work with your doctors and other healthcare professionals to create an agreed upon treatment plan.
- nform your doctors and other healthcare professionals if you don’t understand the type of care and your actions that they’re recommending.
- Follow the treatment plan that you have agreed upon with your doctors and other healthcare professionals.
- Share the information needed with us, your doctors, and other healthcare professionals to help you get the best possible care. This may include information about other health insurance benefits you have in addition to your coverage with us.
- Inform Member Services if you have any changes to your name, address, or family members covered under your plan.
If you would like more information, have comments, or would like to contact us, please go to anthem.com/ny and select Contact Us. Or call the Member Services number on your ID card.
We are here to provide high-quality benefits and service to our members. Benefits and coverage for services given under the plan are overseen by your Certificate of Coverage, Member Handbook or Schedule of Benefits and not by this Member Rights and Responsibilities statement.
A copy of the Member Rights and Responsibilities statement can also be found on our website FAQs. To access, go to www.anthem.com and select Member Support. Under the Support column, select FAQs and the “Laws and Rights That Protect You” category. Then click on the “What are my rights as a member?” question.
Effective Date: 5/2011; Revised 2/2013, 1/2015, 4/021; Reviewed annually with last review 1/2024
