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Policies and Best Practices

Billing and payment authorization agreements

Learn how to receive electronic premium notices and pay through bank draft.

Electronic premium notice authorization agreement

By accepting the agreement below, I am affirmatively consenting to receiving my premium notices via email and understand that by doing so I will not receive paper premium notices or premium notices in some other non-electronic form. As a convenience to me, I hereby request and authorize Blue Cross and Blue Shield of North Carolina (Blue Cross NC) to send all current and future premium notices electronically and to discontinue sending me any paper premium notices. I acknowledge and agree that the date of receipt of my electronic premium notice shall be the date and time on which Blue Cross NC sends the electronic premium notice regardless of the date and time I receive such notice.

I understand that I may request a copy of my premium notice in paper by contacting Blue Cross NC’s Customer Service Department at 888-206-4697. I understand that I may withdraw my consent to have my premium notices sent to me electronically by logging into My Member Services and utilizing the 'Manage Billing & Payments' tool.

I understand that it is my responsibility to ensure Blue Cross NC has been given my up-to-date email address and that it is in fact correct and accurate. I further understand that I am solely responsible for ensuring my email address is functioning properly at all times and that Blue Cross NC has no liability for errors in transmission of the electronic premium notices other than addressing the electronic premium notices to the email address I provide.

By electing to have my premium notices sent to me electronically, I am certifying that I am aware of the hardware and software requirements for access to and retention of the electronic premium notices and my email system is compatible with the required hardware and software systems. To receive electronic premium notices, subscribers must have a computer with Internet access and an email client capable of receiving SMTP emails. Please check your software documentation or contact your software manufacturer if you need assistance in setting up your email configuration.

I understand that Blue Cross NC’s policy on the use of electronic premium notices is subject to change by Blue Cross NC at any time in its discretion by updating this Authorization. I understand that my continued use of the electronic premium notices process after such changes are implemented constitutes my acceptance of the changes and continued authorization. Please consult this Authorization in the Billing and Payments FAQ section regularly for any changes.

Payment authorization agreement

By accepting the agreement below, I am an authorized user of this bank account. As a convenience to me, I hereby request and authorize Blue Cross and Blue Shield of North Carolina (Blue Cross NC) to initiate the charge to my bank account payable to the order of Blue Cross NC. I agree that Blue Cross NC’s rights in respect to each bank draft shall be the same as if it were a check drawn on my bank account, and signed by me personally. I also authorize the financial institution to reduce the balance of my bank account by the amount of the bank draft.

If this authorization is for recurring monthly back drafts it will remain in effect until I revoke it through the facilities of this web site or in writing at least 10 days prior to the date the account is scheduled to be charged. I agree that if such charges be dishonored, whether with or without cause and whether intentionally or inadvertently, Blue Cross NC shall have no liability whatsoever even though dishonor results in forfeiture of insurance. The amount accepted for payment by Blue Cross NC systems will be charged upon this authorization.

Frequently asked questions

You can pay the current month's payment online or by Pay by Phone 800-333-7009.

To pay online, you'll need to pay the exact amount for that month as long as it's not past your grace period. If you're only paying the current month's amount, make sure the payment matches the amount in the Balance Forward field in the Current Account Status section.

If it's past your grace period, you must pay the total amount due or your policy will be canceled.

 

Yes. To enroll in AutoPay with a bank account, credit card, or debit card, simply log in to your Blue Connect℠ member portal, go to Billing & Payments to set up AutoPay.

As a reminder, if you have a Medicare plan, you can only use a bank account to set up AutoPay.

Yes. All members have a grace period and it starts from the due date on the invoice. The standard grace period is 25 days. You should pay no later than the 1st of the month following the due date.

If you purchased your plan on the Health Insurance Marketplace and aren't eligible for a tax credit, you have a 25 day grace period.

If you purchased your plan on the Health Insurance Marketplace and are eligible for a tax credit, you have a 90 day grace period.

You may change your billing address online. When you log in to your Blue Connect℠ member portal, select the Billing & Payments and then choose Edit Billing Preferences. Any change you make will be processed within 48 hours.

Visit your Blue Connect℠ member portal to view your payment history, send us a secure message, or call Web Technical Support at 888-705-7050.

For a one-time bank draft payment: Your payment will usually be withdrawn from your bank account within 48 hours of submitting the payment.

For automatic, recurring bank draft payments: If you don't have a balance due when you sign up for recurring payments, your payment will be withdrawn from your bank account on the 3rd day of each month (or the next business day if the 3rd falls on a weekend or holiday).

When signing up for recurring bank draft payments: If you have a balance due, the amount of your balance will usually be withdrawn from your bank account within 48 hours of payment. All payments after that will be drafted on the 3rd day of each month (or the next business day if the 3rd falls on a weekend or holiday). 

It depends on the type of payment you’re making (one-time or recurring) and whether you have a balance due. Here’s more information:

For a one-time card payment: Your card payment will be charged immediately.

For automatic recurring (monthly) card payments: If you don't have a balance due when you sign up for recurring payments, your card will be automatically charged on the 1st day of each month.

When signing up for recurring debit or credit card payments with a balance due: If you have a balance due, your card will immediately be charged for that amount. All payments after that will be automatically charged on the 1st day of each month.

When signing up for recurring credit or debit card payment: If you have a balance due, your credit or debit card will be charged for that amount when you make that payment. All payments after that will be automatically charged on or around the 1st day of each month.

Blue Cross NC offers several convenient methods for paying your premium. In all cases, premium payments must be made by 5 PM Eastern Standard Time (EST) to be considered paid the same day. 

Online: You can log in to your Blue Connect℠ member portal and select Billing & Payments to make a one-time payment or to set up AutoPay (recurring payments). When you set up AutoPay, you will no longer receive invoices via paper mail. Emailed invoices are available.

Pay as a Guest: Members or their authorized representatives or caregivers can make a one-time payment by paying as a guest. When you choose to make a one-time payment as a guest, you can pay by credit card, debit card, PayPal, Venmo, and Apple Pay or Google Pay (if using a mobile device).

Phone: Contact us by calling 800-333-7009 to make a one-time payment with a credit card, debit card, or bank draft. 

Check: Pay your bill by including a check with your monthly invoice. Simply mail your check to Blue Cross NC at the address listed on your invoice. 

In Person: Visit us in person to pay by check only at our Raleigh Blue Cross NC location: 

8511 Brier Creek Parkway, Suite 107 
Raleigh, NC 27617 

Monday – Friday 
9 AM to 5 PM (excluding holidays)