Blue Cross and Blue Shield of Minnesota
Minnesota • Traditional Indemnity, Medicaid, POS
This prefix includes traditional indemnity coverage. Indemnity plans are the oldest form of health insurance and offer maximum provider choice with no network restrictions. Members pay a percentage of charges after meeting their deductible. Reimbursement is based on reasonable and customary rates for the service area.
This prefix is associated with Medicaid managed care. When a BCBS plan administers Medicaid, the claims process may differ from commercial coverage: different payer ID, different claims address, different prior authorization rules, and different timely filing limits. Always verify Medicaid-specific details before submitting.
POS (Point of Service) plans combine features of HMO and PPO coverage. Members choose a primary care physician and can get referrals to see in-network specialists at lower cost, or self-refer to out-of-network providers at higher cost. Claims should include referral information when the member uses the in-network benefit level.
Independent licensee of the Blue Cross Blue Shield Association serving Minnesota members. Billing note: payer ID CBMN1 (Change Healthcare) is valid for MN-based providers only; out-of-state providers bill their local BCBS plan. Commercial/Medicare alt payer ID: 00720.