Always file out-of-state BCBS claims to your local BCBS Plan
Blue Cross Blue Shield Plans are known for being extremely complicated when it comes to figuring where to file a claim. However, when you're working with clients who are insured with BCBS, the rule is: always file your claims with the local BCBS payer.
This is true even if a client's BCBS ID card is out-of-state. For example, if a new client has a BCBS California ID card, but you are in Hawaii, you must file the claim in Hawaii. Once you file the claim to BCBS of Hawaii, the local Plan will electronically forward the claim to the correct branch to ensure that you get paid.
The same is true if you're trying to file claims to the Federal Employee Program (FEP). File your FEP claims to your local BCBS payer.
Important: The information above applies to all states except MI and CT. For those states, use the payer IDs: MIFEP and C2BLS, respectively.
Q. I understand I should only file BCBS claims to the local branch, but what about enrollments?
A. You will only need to submit enrollments to your local BCBS payers. There is no need for you to enroll with other out-of-state BCBS payers.