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BlueCross BlueShield of Texas
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Frequently Asked Questions

Claims/Benefits

Q. Is there a deadline for filing claims?
A.

All HMO Blue Texas and Blue Medicare PPO claims must be filed within 180 days of the date of service. PPO/POS and ParPlan claims must be filed within 365 days of the date of service.

Q. How do I request a medical policy?
A.

To view a medical policy go to the General Reimbursement section, select Medical Policy, review/approve disclaimer. You can then search for a medical policy using a CPT, HCPCS, ICD-9 code, policy title, or view the table of contents. To print a medical policy use the printer friendly version option located in the upper right corner. If you are unable to find the Medical Policy you are looking for, complete and submit the Single Edit Request Form.

Q. How do I request bundling logic?
A.

Clear Claim ConnectionTM (CCC), a Web-based code auditing reference tool, is now available to all contracted BCBSTX physicians and professional providers. You may access this tool through the BCBSTX Provider Web site.

Q. Are individual plan riders (exclusions) for the entire life of the policy?
A.

Some riders are in effect for a specific period of time, while others are in force for the duration of the policy. You may contact Provider Customer Service to determine the duration of the rider/exclusion.

Q. When calling for benefits, BCBSTX ends with a disclaimer. Why?
A.

All services are subject to medical necessity, contract limitations and exclusions (e.g. payment of premium). This is a standard statement to remind the caller of such.

Q. Are you going to start sending patient information to patients in Spanish?
A.

Some of our materials are already available in Spanish upon request. We are continuing to evaluate what additional materials may be offered in Spanish in the future.

Q. When we get a Medicare statement it is not clear if it has been sent electronically. Should we drop to paper?
A.

If Medicare submits your claim to a secondary payer it will be reflected in the message code on your Medicare EOMB.

Q. We have situations where every claim for a specific patient denies for COB information. Is the patient responsible for providing this information?
A.

Yes. The patient is responsible for providing COB information or notifying BCBSTX they have no other coverage. Several attempts are made to obtain this information.

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Q. Can you call to stop a claim from processing?
A.

Generally once a claim is received it will be processed. You are required, however, to submit a corrected claim or notify us in writing should the claim have been filed in error to avoid any liability.

Q. How does timely filing affect secondary payments?
A.

You must file your secondary claim to HMO Blue Texas within 180 days after the primary carrier paid or denied services. For the PPO/POS product, the primary carrier's payment starts the clock and timely filing varies according to the contract, generally 365 days from the date of service.

Q. Which claims are mailed to the Dallas address?
A.

Claims should be filed electronically whenever possible. All paper claims should be mailed to the Dallas address as follows: BCBSTX, P.O. BOX 660044, Dallas, TX 75266-0044.

Q. When you send a denial for terminated coverage, can you provide a specific date?
A.

At the present time we are unable to provide the coverage termination date on the Provider Claim Summary. However, you may request this information by contacting Provider Customer Service.

Q. What happens when claims are sent to BCBSTX from Medicare that are part of delegated HMO IPA?
A.

Crossover claims from Medicare may not automatically be forwarded to the IPA. You will receive an EOB message directing you to refile to the appropriate IPA.

Q. What is an ASO Plan?
A.

ASO stands for “Administrative Services Only.” These groups are self-funded and not subject to Texas prompt pay legislation. However, they are often subject to certain federal legislative requirements.

Q. Which network do PPO and POS members use?
A.

Generally, all PPO and POS plans utilize the BlueChoice or BlueChoice Solutions network of physicians and providers.

Q. How long does it take to change a PCP?
A.

For HMO Blue Texas members, they may call member customer service anytime during the month and the change will take effect the first of the following month. For the POS product, the change takes effect on the day of the call, or any day thereafter, based on the member's request.

Q. We have a financial agreement with our patients to be responsible for whatever insurance does not cover. Are we able to demand payment from the member?
A.

The Provider Claim Summary or EOB indicates the patient share. You cannot bill the patient in excess of the coinsurance, deductible and non-covered charges.

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Updated 04/07


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