There is much confusion regarding the Blue Cross Blue Shield plans that are now administered through United Concordia. If you are an out-of-network provider, here are a few things we think will help you:
The “Standard Plan” – This can be identified through a group number beginning with 10. You must click on the box of the claim form that authorizes the check but the check will go to the patient. Patient reimbursement is minimal (approximately $12 for a Prophy) have the same benefits out-of-network with this plan and the check will go to them. The patient pays your full fee.
The “Basic Plan” – Group numbers begin with 11 and there are no out-of-network benefits. However, we have heard from clients that Blue Cross Blue Shield will pay the first claim if a patient calls and complains. This is because Blue Cross did not notify patients of their relationship with United Concordia.
Credit Card Payments
Insurance companies are also sending payment via credit card such as “Quick Remit.” It is important to know that you are paying credit card fees every time you accept a payment with cards such as these. You are not required to accept credit cards and you can opt out. It seems it takes a number of phone calls to opt out, however, I recommend that you look at your credit card statements and identify how much it is costing you to accept these payments.