Some Blue Cross and Blue Shield Plan members are starting to carry health care debit cards, new medical ID cards that are easy to recognize and simple to use.
As of January 1, 2005, some Blue members have a new BlueCross and/or BlueShield health care debit card – a card with value-added features to help providers collect the amounts members owe.
Using the cards can help you:
The card allows members to pay for out-of-pocket costs using funds from their Health Reimbursement Accounts (HRAs), Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs). Some cards are "stand-alone" debit cards to cover out-of-pocket costs, while others also serve as member ID cards with member ID numbers.
The card will have the nationally recognized BlueCross and/or BlueShield logos, along with the logo from a major debit card company such as MasterCard® or Visa®. MasterCard and Visa are independent financial services companies that do not provide BlueCross BlueShield of South Carolina products or services. MasterCard and Visa are solely responsible.
Sample Stand-Alone Debit Card
Sample Stand-Alone Debit Card and Member ID Card
The cards include magnetic strips so you can swipe them at the point of service to collect what members owe. With health debit cards, members can pay copayments and other out-of-pocket expenses by swiping their cards through any debit card swipe terminal. The funds will be deducted automatically from the member’s appropriate HRA, HSA or FSA account.
Combining a health insurance ID card with a source of payment is an added convenience for members and providers. Members can use their cards to pay outstanding balances on billing statements. They can also use their cards via phone to process payments. In addition, members are more likely to carry their current ID cards because of the payment capabilities. If your office currently accepts credit card payments, there is no additional cost or equipment necessary. The cost to you is the same as the current cost you pay to swipe any other signature debit card.