Key information on the front of your card

A: Member ID or Policy Number

The foundation of your Capital Blue Cross ID card is your unique Member ID number. This number is essential when submitting claims, scheduling appointments, or discussing your benefits with customer service

B: Health Insurance Group Number

Typically, if your plan is provided through your employer, you’ll see a group number on your card. Some plans from the Pennie marketplace also include this number. The group number ties your coverage to your plan and helps streamline communication.

C: Deductible information

Your card may also include information about health insurance deductibles for your individual coverage and family coverage, if applicable. This can include details about your in-network and out-of-network deductible amounts, which represent how much you need to pay out of pocket before your insurance starts covering costs. Knowing these amounts helps you better understand your financial responsibilities and make informed decisions about using in-network providers to save on costs.

D: Plan type

Your card will specify the type of health plan you have, such as PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization). Knowing your plan type is important for understanding which providers you can see and whether referrals are required for specialist visits.

E: Primary Care Physician (PCP)

For some plans, your designated Primary Care Physician (PCP) is listed on the card. This is the doctor you’ll typically visit first for non-emergency care. If you need to update your PCP information, contact Capital Blue Cross for assistance.

F: Copay information

Your Capital ID card often includes details about your copays – the fixed amounts you’ll pay at the time of care – for office visits, urgent care, emergency room visits, or visits to a medical specialist. Having this information readily available can help you plan for medical expenses.

G: Prescription insurance information

Your insurance card may include plan information about your prescription drug coverage. The RxBIN, RxPCN, and RXGrp information helps your provider route your claim properly to Capital Blue Cross.

Important information on the back of your card

H: Customer Service contact information

On the back of your card, you’ll find phone numbers for customer service. Whether you have questions about a claim or need help finding a provider, these numbers are your direct line to assistance.

I: Claim filing information

Your card might include instructions for healthcare providers on how to process claims. Make sure to present your card at every healthcare visit to ensure proper billing and claim submission.

Keep your health insurance ID card safe

Your Capital Blue Cross ID card contains sensitive information, so it’s important to keep it secure by:

• Storing your card in a safe but accessible place, like your wallet.
• Not sharing details on your ID card unless it’s necessary for your care.
• Contacting Capital Blue Cross immediately if your ID card is lost or stolen to request a replacement and protect your information.

Getting the most of your Capital Blue Cross ID card

Understanding your Member ID card empowers you to take full advantage of your health benefits. By knowing where to find key details like your member ID number, plan type, and applicable copays, you’ll be better prepared for every healthcare encounter. If you ever have questions about your card or benefits, reach out to Capital Blue Cross for help. Your health is our priority, and we’re here to support you every step of the way.