How to Pay Your Bill Online With BCBS of Michigan

Having health insurance through Blue Cross Blue Shield (BCBS) of Michigan allows you to access quality care. But in order to keep your coverage active, it’s essential to pay your monthly premium bill. BCBS of Michigan offers a variety of options to view and pay your bill quickly and easily.

As someone who’s been insured through BCBS of Michigan for years, I’ve gotten familiar with the ins and outs of paying my bill In this article, I’ll walk through the online payment options, other payment methods, and tips for staying on top of your monthly health insurance premiums

Paying Online Through Your BCBS of Michigan Account

The easiest way to pay your BCBS of Michigan bill is through the online member portal. This allows you to securely access your account, view your balance, and submit payment by credit/debit card or e-check. Here’s how it works:

Log Into Your Account

First, go to www.bcbsm.com and click “Log In” in the top right corner. Enter your username and password to access your member account.

View Your Bill

Once logged in, you can view your current balance due and billing history through the “Pay Your Bill” section. This will show any outstanding amount owed.

Select a Payment Method

Choose whether you want to pay by credit/debit card or e-check. The funds will be withdrawn from the selected account immediately after submitting.

Input Payment Details

Enter your card number or bank account information along with the payment amount. Make sure it covers the full balance due.

Submit Payment

Review the details to ensure accuracy. Then submit the payment to have the funds transferred instantly.

Paying online is fast, simple, and secure. You can even set up automatic monthly payments through your account.

Registering for a BCBS of Michigan Account

If you don’t have an online BCBS of Michigan account, you’ll need to register first. Here’s how:

• Visit www.bcbsm.com and click “Register” at the top right.
• Enter your ID number, date of birth, and ZIP code.
• Create a unique username and password.
• Provide your email, phone number, and security question answers.
• Agree to the terms of use.
• Verify your identity through an activation link sent to your email.

Once registered, you can log right in and start managing your health plan online!

Paying as a Guest Without Logging In

You can also make a one-time credit/debit card payment through BCBS of Michigan without logging into an account.

On the payment page, click “Pay as a Guest” and enter your subscriber ID and date of birth. You’ll be able to input your card details and pay your balance without registering an account first.

Just keep in mind – guest payment does not allow you to view your full billing history or set up recurring payments. I recommend registering an account if you’ll be paying regularly.

Other Ways to Pay Your BCBS of Michigan Bill

In addition to paying online, BCBS of Michigan offers these alternate bill payment options:

• Mobile App – Download the BCBSM app and log in to pay through your account.

• By Phone – Call the number on the back of your BCBS member ID card.

• In-Person – Take cash, check, or money order to a MoneyGram location.

• By Mail – Send a check or money order to the payment address printed on your statement.

I prefer the speed and convenience of paying through my online account. But it’s nice having choices based on your schedule and preferences.

Tips for Paying Your Bill on Time

To avoid any lapse in coverage, be sure to pay your BCBS of Michigan premium on or before the due date each month. Here are some tips:

• As soon as you receive the bill, make a calendar reminder to pay it.

• Log into your account regularly to check for new bills. Don’t let them pile up unnoticed.

• Set up text or email reminders through your online account. They alert you when a new statement is ready.

• If possible, enroll in autopay so your monthly premium is always paid on schedule.

• If you anticipate difficulty paying on time, ask about extended grace periods or payment plans.

Staying current on your health insurance premiums ensures you maintain access to the BCBS network and benefits. Use the convenient online payment options to pay your bill quickly and hassle-free each month.

Frequently Asked Questions About Paying Your Bill

If you’re new to paying your own BCBS of Michigan premium, you may have some questions. Here are answers to a few common FAQs:

How much is my monthly premium payment?

Your premium amount depends on the BCBS policy you purchased, including factors like deductible, copays, and maximum out-of-pocket costs. Log into your account to view your specific monthly balance due.

When is my bill due each month?

BCBS of Michigan bills are typically due by the 1st of the month for coverage beginning on the 1st through the end of that month. Your statement will list the exact due date.

What happens if I miss a payment?

If you don’t pay your premium by the due date, you may enter a grace period during which your policy remains active. But if your balance isn’t paid in full within that timeframe, your coverage can be terminated.

Can I change my monthly billing date?

Unfortunately BCBS of Michigan does not allow members to modify the billing date. Premiums are due at the beginning of each month for that month’s coverage.

What payment methods does BCBS accept?

BCBS allows payment by credit/debit card, check, money order, or e-check through your checking account. Log in online or check your statement for instructions.

Keeping up with monthly premiums is crucial for maintaining health coverage. By paying your BCBS bill online and on time every month, you can ensure seamless, uninterrupted access to care.