We are committed to responding to the market demand for products and services that allow employers and their members to take greater control of their health care decisions.

Consumer Driven Health Plan (CDHP) products encourage our members to act as consumers when spending their benefits dollars, just like they do when making any other purchasing decision. Although CDHP options vary, here is some general information about the distinct features of CDHPs. We've also given you some tips to help you process claims for members with CDHPs.

CDHP Key Features

• Deductibles -- Similar to traditional health plans (i.e., PPOs and HMOs), CDHPs offer members great access to our network of participating providers. They usually are combined with consumer-empowering features, such as employer or employee-funded Health Savings Accounts (HSA) or Health Reimbursement Accounts (HRA) to help members better manage their health care costs. 
• Debit Card -- The card allows members to pay for and track out-of-pocket costs using funds from their HRAs or HSAs. Some cards are "stand-alone" debit cards to cover out-of-pocket costs, while others also serve as member ID cards.

The card will have our BlueCross logo, 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 (A BlueCross member card is needed with this card):

   

Sample Combined Debit Card and Member ID Card:

Remember:

• Carefully determine the member's financial responsibility before processing payment. You can access the member's accumulated deductible* by contacting the BlueCard^® Eligibility line at 1-800-676-BLUE (2583) or by contacting your local plan.
• Ask members for their current member ID cards and regularly obtain new photocopies (front and back) of member ID cards. Having the current card will enable you to submit claims with the appropriate member information (including alpha prefix) and avoid unnecessary claims payment delays.
• Check eligibility and benefits by calling 1-800-676-BLUE (2583) and providing the alpha prefix, or use electronic capabilities.
• If the member presents a debit card (stand-alone or combined), be sure to verify the out-of-pocket amounts before processing payment. Providers may forego using the debit card and submit the claims to the local plan for processing. The provider remit will advise the provider of member responsibilities.
• Providers may use the debit card for all medical services provided in their offices. Many plans, however, offer well care services that are payable under the basic health care program. These services should be billed to the local carrier and should not be applied to the debit card. If you have any questions about the member's benefits or to request accumulated deductible* information, please contact 1-800-676-BLUE (2583).
• For faster processing, submit all claims electronically to BlueCross BlueShield of South Carolina.

For more information about BlueCross BlueShield of South Carolina's CDHP options, see our guide.

If you have questions, please contact your education specialist.

*Accumulated deductible information is based on claims received to date. The information is not real-time.

®†† Registered mark of MasterCard
®††† Registered mark of Visa