Estate Planning 101

Notifying Blue Cross Blue Shield After a Loved One’s Passing

September 13, 2023

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The loss of a loved one is a challenging time, and one of the many responsibilities you may face is notifying their insurance providers. If your loved one was covered under a workplace or group policy insurance with Blue Cross Blue Shield, notifying them is a key step in settling their affairs.

Who Should Be Notified

You should notify Blue Cross Blue Shield if your loved one had an active workplace or group policy insurance with them. This is important to terminate the coverage, and also to initiate any available death benefits or claims.

When to Notify

It's recommended to notify Blue Cross Blue Shield as soon as possible after the death of your loved one. Timely notification helps avoid unnecessary billing and allows for prompt processing of any potential claims.

How to Notify

You can notify Blue Cross Blue Shield by calling the customer service number provided on the insurance card or on their website. You should have the policy number, the deceased's Social Security number, and the date of death handy. In some cases, you may also need to provide a copy of the death certificate.

What to Expect After Notification

Once you notify Blue Cross Blue Shield, they will terminate the deceased's insurance coverage and provide guidance on any next steps. This may include information about death benefits, any remaining claims, or conversion options for surviving dependents.

Tips for Notification

Keep a record of all your communications with Blue Cross Blue Shield, including the names of the representatives you spoke with and the dates of your calls. Also, make sure to keep copies of any documents you send them. This can be helpful in case of any discrepancies or issues later on.

Conclusion

Notifying Blue Cross Blue Shield of a loved one's death is an essential part of settling their affairs. While it might seem daunting, understanding the process can make it more manageable during this difficult time.

FAQ

Q: What if my loved one's policy was through their employer?
A: If the policy was through the deceased's employer, you should also notify the employer's human resources department. They can provide specific instructions and may need to be involved in the process.

Q: What happens to the policy if there are surviving dependents?
A: Policies vary, but in many cases there may be options to convert the group policy into an individual policy for surviving dependents. Blue Cross Blue Shield can provide specific information based on the policy.

Q: Can I file a claim after my loved one's death?
A: Yes, most insurance policies allow claims to be filed for services that were provided before the policyholder's death. Check with Blue Cross Blue Shield for any specific timeframes or requirements.