How to make a paymentWe offer you several convenient ways to pay your health insurance invoice. This guide helps you understand the available payment options and provides instructions to help you submit your premium payments.

Paying your first invoiceBefore your coverage effective date, you must choose from one of the following options to pay your first invoice:

• Access e-Bill at ibxpress.com (up to 15 daysbefore your coverage effective date)

• Write a personal check or money order

• Use a credit or debit card (Amex, Discover,MasterCard, or Visa) at enrollment

• Call 1-888-879-4891

• Visit our Walk-In Services Center

Please note that credit cards are only accepted for the first month’s premium.

Register at ibxpress.com to pay through e-BillBeginning 15 days before your coverage effective date, you can register at ibxpress.com, our secure member website, to begin making payments through e-Bill.

Pay through e-BillThe secure, self-service features of e-Bill, our online billing system, help make it easier to manage your payments.

Save time and money with recurring paymentsWith recurring payments, there’s no need to wait for a paper invoice or to pay postage to mail your payment. Payment is automatic and always on time. Your bank account information is stored securely in the e-Bill system.

How to set up a recurring payment in e-BillThe e-Bill system makes a recurring payment automatically when a new invoice is available. You cannot set up a recurring payment when there is a new invoice in the system. If there is a new invoice available, you must make a one-time payment and then set up your recurring payment.

To set up a recurring payment:

1. Enter your bank account information by followingthe instructions for making a one-time payment.

2. On the ibxpress homepage, click Pay My Bill inthe center of your screen. Click Payments, andchoose Payment Method List.

3. Complete the required fields. You can schedule arecurring payment up to ten days before the duedate and choose how long you want the recurringpayment to continue. Verify the information youentered, and click Confirm.

Important: You must pay your invoice before the due date or you will not be able to make a payment through e-Bill. You can view a past-due invoice in your invoice history, but you won’t be able to take action on it. You will need to choose one of the other payment options in order to pay a past-due invoice.

Pay by personal check or money orderYour printed invoice includes a detachable payment slip with your new billing account number and new payment address. Write the amount you are enclosing on the slip and mail it with your personal check or money order to the new payment address.

Payment slip To ensure that your payment is properly applied to your account, detach and return this slip with your payment.

Return Address Be sure this address appears through the return envelope when mailing in your payment. If you lose your envelope, mail the payment to this address.

Amount Enclosed Write the amount that you are enclosing with this invoice in this space.

Advantages of using e-BillWith e-Bill, you can:

• View your invoice online and search yourpayment history

• Make one-time payments and schedulerecurring payments

• Choose the date you want payments to bewithdrawn from your account

• Set notification preferences to get anemail when:– A new invoice is available– Your payment amount changes– A payment is deducted from your bank account– A payment is returned

How to set up a one-time payment in e-BillBefore you begin setting up payments in e-Bill, have your bank account number and bank routing number ready.

1. On the ibxpress homepage, click Pay My Bill inthe center of your screen. Click Payments, andchoose Payment Method List.

2. Click the Add button to open the Add, Bank,Account window.

3. Select Type of Account (Checking or Savings),complete the required fields, click OK, andclick Verify.

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Your payment optionsA quick guide to paying your health insurance invoice

Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company, and with Highmark Blue Shield — independent licensees of the Blue Cross and Blue Shield Association.

2015-3107-01 (06/15)

Pay online through your bankYou can use your bank’s online bill pay service to make electronic payments from your bank account. You can set up a one-time or recurring payment. You need the following information for set up:

• Billing account number — Your billing account number is printed on your invoice payment slip. It is different than your member ID number, which is printed on your member ID card.

• New payment address — This address is printed at the bottom of your invoice and on the detachable payment slip.

Important: Set up a new biller using the new payment address on your invoice.If you currently use your bank’s online bill pay service for Independence Blue Cross payments and you change products (from HMO to PPO or PPO to HMO), you must delete your bill account and update with your new bill account number printed on your invoice.

You must set up the new biller before you make your first payment. This is the only way your payments will process correctly.

Pay by telephoneTo make a payment by phone using our automated system, please call 1-888-879-4891. We accept Automated Clearing House (ACH), Prepaid Debit and Credit Card (Visa/MasterCard/Amex/Discover) for your initial premium payment. For ongoing payments, we accept ACH only. Have the following information available when you call:

• Member ID number (printed on your member ID card)

• Billing account number (printed on your invoice)

• Bank account number and bank routing number (printed on your personal check)

Pay in person at our Walk-In Services CenterVisit our Walk-In Services Center to make a payment. Independence Blue Cross representatives are also available to answer any questions you may have about your coverage. Bring the following information with you:

• Member ID number (printed on your member ID card)

• Billing account number (printed on your invoice)

• Bank account number and bank routing number (printed on your personal check)

Walk-In Services Center 1900 Market Street (enter at the corner of 20th & Market Streets) Philadelphia, PA 19103 Hours: 8 a.m. – 5 p.m., Monday through Friday

We’re here to helpHave questions about your payment?

Call our Customer Billing Center at 1-888-879-4891.

Hours:8 a.m. – 6 p.m., Monday through Friday

8 a.m. – 8 p.m., Wednesdays

For general questions about your coverage, call our Customer Service Center at 1-844-BLUE-4ME (1-844-258-3463).Hours:8 a.m. – 6 p.m., Monday through Friday

Y0041_HM_17_47643 Accepted 10/14/2016 Taglines as of 10/14/2016

Language Assistance Services

Spanish: ATENCIÓN: Si habla español, cuenta con servicios de asistencia en idiomas disponibles de forma gratuita para usted. Llame al 1-800-275-2583 (TTY: 711).

Chinese: 注意：如果您讲中文，您可以得到免费的语言

协助服务。致电 1-800-275-2583。

Korean: 안내사항: 한국어를 사용하시는 경우, 언어

지원 서비스를 무료로 이용하실 수 있습니다.

1-800-275-2583 번으로 전화하십시오.

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Italian: ATTENZIONE: Se lei parla italiano, sono disponibili servizi di assistenza linguistica gratuiti. Chiamare il numero 1-800-275-2583.

Arabic: ، فإن خدمات المساعدة اللغوية العربية ملحوظة: إذا كنت تتحدث اللغة

.2583-275-800-1 اتصل برقملك بالمجان. متاحة

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French: ATTENTION: Si vous parlez français, des services d'aide linguistique-vous sont proposés gratuitement. Appelez le 1-800-275-2583.

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German: ACHTUNG: Wenn Sie Deutsch sprechen, können Sie kostenlos sprachliche Unterstützung anfordern. Wählen Sie 1-800-275-2583.

Japanese: 備考：母国語が日本語の方は、言語アシス

タンスサービス（無料）をご利用いただけます。

1-800-275-2583へお電話ください。

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2583-275-800-1با شماره . رايگان برای شما فراھم می باشد.تماس بگيريد

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کال کريں ۔دستياب ہيں مفت ميں زبان معاون خدمات.1-800-275-2583

Mon-Khmer, Cambodian: សូមេម ្ត ចប់ រមមណ៍៖ ្របសិនេបើអនកនិយយភ មន-ែខមរ ឬភ ែខមរ េនះជំនួយែផនកភ នឹងមនផ្តល់ជូនដល់េ កអនកេ យឥតគិតៃថ្ល។ ទូរសពទេទេលខ 1-800-275-2583។

Y0041_HM_17_47643 Accepted 10/14/2016 Taglines as of 10/14/2016

Discrimination is Against the Law

This Plan complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. This Plan does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex.

This Plan provides: Free aids and services to people with disabilities

to communicate effectively with us, such as:qualified sign language interpreters, and writteninformation in other formats (large print, audio,accessible electronic formats, other formats).

Free language services to people whoseprimary language is not English, such as:qualified interpreters and information written inother languages.

If you need these services, contact our Civil Rights Coordinator. If you believe that This Plan has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with our Civil Rights Coordinator. You can file a grievance in the following ways: In person or by mail: ATTN: Civil Rights Coordinator, 1901 Market St reet , Ph i lade lph ia , PA 19103, By phone: 1-888-377-3933 (TTY: 711) By fax: 215-761-0245, By email: civilrightscoordinator@1901market.com. If you need help filing a grievance, our Civil Rights Coordinator is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW., Room 509F, HHH Building, Washington, DC 20201, 1-800-368-1019, 800-537-7697 (TDD). Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.