Frequently Asked QuestionsEnrollment Questions
HOW DO I ADD A NEW EMPLOYEE?
Complete an application (Universal Enrollment Form and/or United Concordia Group Application) and a Membership Change Report and fax or mail it (please don't do both) to our office. These forms are located on our website, or contact our office and we will fax or mail them to you.
I AM ADDING A NEW EMPLOYEE TO MY PLAN, SHOULD I INCLUDE THE PREMIUM?
No, wait until we bill you. It may not appear on your invoice until the following month. We prefer that you pay as billed.
HOW DO I REMOVE SOMEONE FROM MY PLAN?
Complete a Membership Change Report and fax or mail it to our office.
HOW DO I RECEIVE CREDIT FOR MY TERMINATED EMPLOYEE?
Credit will be issued on the next month's invoice.
HOW LONG ARE MY CHILDREN ELIGIBLE TO STAY ON MY COVERAGE?
One provision of the health care reform legislation signed into law in the Spring of 2010 makes coverage available to adult children up to age 26, starting on the renewal date of their policy beginning on or after September 23, 2010. Some insurers, including IBC, are allowing these young adults (i.e., those dependents under 26 who currently have coverage and who would lose that coverage prior to the effective date of the new law) to remain on their parents' plans starting June 1 to help families avoid a potential gap in coverage until the new federal health care reform provision kicks in. It is the responsibility of the insured subscriber to notify our office of any change in dependent status.
WHEN SHOULD I ADD MY NEWBORN?
Within the first 30 days of birth, complete an enrollment form and Membership Change Report and fax or mail it to our office.
HOW DO I ADD OR REMOVE (DELETE) A DEPENDENT?
Complete an application (Universal Enrollment Form and/or United Concordia Enrollment/Change Form) and a Membership Change Report and fax or mail it (please don't do both) to our office. On the appropriate form(s), please check the box next to Add or Remove/Cancel a Dependent. Please complete the dependent information and sign all forms. These forms are located on our website, or contact our office and we will fax or mail them to you
HOW DO I PAY MY PREMIUMS?
You will receive a monthly invoice along with a return envelope approximately 30 days in advance of the coverage month. Payment is due by the 25th of each month. For example, May's invoice is sent out April 1st and is due on April 25th. Please send only your check and payment coupon in this envelope as it goes directly to a billing center.
All Payments should be remitted to:FBP
PO Box 873
Valley Forge, PA 19482-0873
All other paperwork including enrollment changes and applications must be sent to our Hatboro Office:Fax to 215-674-0400
Email directly to one of our representatives (see Contacts Tab)
120 S. York Road, Suite 2
Hatboro, PA 19040
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ARE PRE-EXISTING CONDITIONS COVERED?
Yes, our group plans have a pre-existing waiver.
IF I HAVE A CLAIM PROBLEM SHOULD I CALL DTL?
Absolutely! Please call us with any questions or problems. We have a fully staffed Customer Service Department to act as a go-between for you and your insurance company.
ARE THERE LIMITS ON THE DRUGS COVERED ON MY PLAN?
Certain drugs have what's called "quantity edits." Blue Cross will only pay for the FDA maximum dosage on these drugs, unless your physician receives approval for an increased quantity. Your physician needs to contact Pharmacy Services at Independence Blue Cross to obtain this approval. Check the Blue Cross web site at IBX.com for a list of these drugs.
HOW DO I CHANGE MY PRIMARY PHYSICIAN WITH KEYSTONE?
You can contact Member Services at Keystone at 1-800-227-3114 and give your new primary care physician information over the phone. You may also fax or mail us a completed Keystone application with your new primary care physician listed on it and we will process the change for you. Changes are effective the first of the following month.
AM I COVERED FOR SERVICES OUT OF THE AREA FOR PERSONAL CHOICE?
If you have Personal Choice coverage you are able to receive health care services from any Blue Cross and or Blue Shield PPO Provider:
1. Go to BCBS.COM. Click the Blue Card Provider button and enter the state that you will be visiting. A list of participating providers with that state's PPO plan will be displayed.
2. You may also call 1-800-810-BLUE.
3. Schedule an appointment with a Blue Card Provider, present your ID card and pay the applicable co-pay.
4. The Blue Card Provider will file all claims for you.
5. PLEASE NOTE: When out of state, you are responsible for obtaining pre-authorization should the service require it.
AM I COVERED FOR SERVICES OUT OF THE AREA FOR KEYSTONE?
1. Contact 1-800-810-BLUE to obtain the names of three Blue Cross/Blue Shield Traditional (Blue Card) Providers in the area in which you are traveling.
2. Choose a provider, then contact Keystone for authorization of services at 1-800-227-3116 prior to receiving care.
3. Schedule an appointment with the Blue Card Provider, present your ID card and pay the applicable co-pay.
4. The participating Blue Card Provider will file all claims for you.
IS THERE COVERAGE AVAILABLE WHEN I AM OUT OF THE COUNTRY?
Before you leave the US, check the Blue Cross web site at BCBS.COM for a list of participating international hospitals. Physician bills and drug bills need to be paid up front. Forward an itemized bill and copy of your receipt to our office for reimbursement.
IS THERE A REIMBURSEMENT FOR FITNESS CENTERS?
You can receive up to $150 when you complete 120 workouts within a year. Call the Health Resource Center at 1-800-ASK-BLUE for more information.
IS THERE A REIMBURSEMENT FOR WEIGHT WATCHERS?
You can receive up to $200 for the cost of the Weight Watchers program. Call the Health Resource Center at 1-800-ASK-BLUE for more information.
IS THERE A REIMBURSEMENT FOR SMOKING CESSATION PROGRAMS?
You can receive up to $200 when you complete your choice of smoking cessation programs. Call the Health Resource Center at 1-800-ASK-BLUE for more information.
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