Because health, dental, vision, life, and disability insurance are pre-paid services, premiums must be received by the premium due date – which is the 28th of each month for the upcoming month’s coverage.

If the account is not paid in full by the due date, the company’s coverage is suspended and employees will not have access to their insurance coverage, including prescriptions.

If payment is not received in full or on time, a late notice is printed on the next statement.

If payment is not received within 10 days of the due date, a late notice is mailed requesting payment as soon as possible to avoid claim complications and cancellation for nonpayment.

If payment is still not received within 20 days of the due date, a cancellation notice is mailed. If payment is not received within 30 days of the due date, coverage is canceled for nonpayment.

We will waive any fees on the first NSF in a rolling 12-month window.

For any subsequent NSF or EFT payments we will charge $75 per incident.

The $75 fee will be due immediately along with any outstanding balance for premiums, administrative fees, or dues.

If two (2) NSF’s are received by BCBSM and BCN within a six (6) month period, the company’s insurance coverage will be canceled immediately.

If an NSF check is received and the company is not pending cancellation, the paid date will be backdated accordingly.

If an NSF check is received while the company is pending cancellation for nonpayment, the company’s insurance coverage will be canceled immediately.

A company that is canceled for nonpayment for NSF is subject to a 12-month waiting period for reinstatement.

Your company will responsible to pay for any NSF fees incurred.