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Employers

Frequently Asked Questions

Billing and Payments


Bill Payer
What is Bill Payer?
How Do I Enroll?
How Does It Work?
What happens with re-bills/retro adjustments?

Group Check it Out®

What is Group Check It Out (GCIO)?
How Does It Work?
How Do I Enroll?
If applying on a paper form, which form should I complete--- Commercial or Medicare Advantage?
If my group has numerous subgroups, does Capital BlueCross require a separate form for each subgroup?
How long does it take to cancel GCIO or make an update to the group banking information?
How Do I Make Changes?
How long does it take to process a GCIO application?
What happens with re-bills retro adjustments?

Wire Transfer/Electronic Funds Transfer (EFT)

What is Wire Transfer/EFT?
How Do I Enroll?
How Does It Work?
What happens with re-bills/retro adjustments?

Bill Payer

What is Bill Payer?

Bill Payer is an electronic payment option initiated by you through your financial institution that can deduct your Capital BlueCross premium directly from your bank account on a date selected by you. No checks to write. No envelopes to mail. No hassles. Best of all, it will give you peace of mind in knowing that your health insurance premium is paid on time. In most cases this service is free, however, your financial institution may charge a minimal fee.



How Do I Enroll?

To take advantage of Bill Payer service you must sign up with your financial institution. Payments using bill payer are initiated by you each month based on your monthly premium statement received from Capital BlueCross.



How Does It Work?

Once the payment is initiated by you, your bank will transfer your Capital BlueCross monthly premium from your bank account directly to Capital BlueCross on the date you specify. If the designated transfer day is a bank holiday, the premium payment will be deducted on the next business day. You can schedule payments at a time convenient for you, and the payment will occur on the due date specified by you.



What happens with re-bills/retro adjustments?

Please pay the current invoice as billed. For both small and large groups, any changes made after the statement billing date will appear on the next statement




Group Check it Out®

What is Group Check It Out (GCIO)?

Group Check It Out is an automated payment option that will deduct your Capital BlueCross premium directly from your bank account on your designated due date. No checks to write. No envelopes to mail. No hassles. Best of all, it will give you peace of mind in knowing that your health insurance premium is paid on time.



How Does It Work?
Your bank will transfer your Capital BlueCross monthly premium from your bank account directly to Capital BlueCross. If the designated transfer day is a holiday, the premium payment will be deducted on the next business day. If your account does not have sufficient funds available to pay the premium, Capital BlueCross will send you a notice. 
Your participation in Group Check It Out does not change your benefits or the terms of your contract in any way. Please be aware that any adjustments to your premium will be reflected in your next month’s statement.


How Do I Enroll?

To take advantage of this free monthly service you must complete the online enrollment form or the paper enrollment form. Capital BlueCross will let you know, in writing, when you are approved for this program and when your automatic payments begin.



If applying on a paper form, which form should I complete--- Commercial or Medicare Advantage?

C-382 is for Commercial products (PPO, Comprehensive, HMO, etc.) and C-372 is for Medicare Advantage (SeniorBlue PPO and SeniorBlue HMO). Depending on your group benefits, you may need to complete one or more forms.



If my group has numerous subgroups, does Capital BlueCross require a separate form for each subgroup?

Capital BlueCross requires a separate form if the individual subgroups have different bank accounts to pay their premiums. If all of the subgroups use the same bank account, one form should be completed with a listing of all applicable subgroups.



How long does it take to cancel GCIO or make an update to the group banking information?

Depending on the date the enrollment form is received, it will take between 30 and 60 days for the Group Check It Out process to become effective. You will receive a letter confirming your enrollment in GCIO and stating the date of your first deduction.



How Do I Make Changes?

You can make changes or cancel your participation easily by completing an updated enrollment form and placing a checkmark in the appropriate boxes.



How long does it take to process a GCIO application?

Depending on the date the cancellation form is received, it will take between 30 and 60 days for the Group Check It Out process to be cancelled or for updates to be completed.



What happens with re-bills retro adjustments?

For both small and large groups, any changes made after the statement due date will appear on the next statement billing date.




Wire Transfer/Electronic Funds Transfer (EFT)

What is Wire Transfer/EFT?

A wire transfer or EFT is an automated payment option initiated by you through your financial institution that can deduct your Capital BlueCross premium directly from your bank account on your designated due date. There is a charge from your financial institution for these transactions.



How Do I Enroll?

To take advantage of Wire Transfer/EFT functionality you must contact your financial institution. Payments using wire transfer/EFT are initiated by you on a monthly basis based on your monthly premium statement you receive from Capital BlueCross.



How Does It Work?

Once the payment is initiated by you, your bank will transfer your Capital BlueCross monthly premium from your bank account directly to Capital BlueCross on the date you specify. If the designated transfer day is a bank holiday, the premium payment will be deducted on the next business day.



What happens with re-bills/retro adjustments?

Please pay the current invoice as billed. For both small and large groups, any changes made after the statement billing date will appear on the next statement.