TOW

BCBS Prefix TOW

Blue Cross and Blue Shield of Michigan

Michigan • Medicare Advantage, Traditional Indemnity, Medicaid

Billing essentials

Provider phone
(800) 344-8525
Electronic payer ID
SB711
Claims mailing address
P.O. Box 312500, Detroit, MI 48231-2500
Timely filing limit
365 daysCompare all plans
Prior authorization phone
(800) 344-8525
Provider website
https://www.bcbsm.com

Coverage under prefix TOW

Medicare Advantage

This prefix is associated with Medicare Advantage. MA plans combine hospital (Part A) and medical (Part B) coverage, and many include prescription drug coverage (Part D). When billing, confirm whether the plan uses the same payer ID for MA claims as for commercial claims, as many BCBS companies use separate IDs.

Traditional Indemnity

This is a traditional indemnity prefix. Unlike managed care plans (HMO, PPO, EPO), indemnity plans do not use provider networks. There are no referral requirements and no restrictions on which providers the member can see. Submit claims to the payer listed above for reimbursement at the plan's allowed rate.

Medicaid

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.

About Blue Cross and Blue Shield of Michigan

Independent licensee of the Blue Cross Blue Shield Association serving Michigan.