ZAK

BCBS Prefix ZAK

Highmark Blue Cross Blue Shield

New York • Medicaid, Traditional Indemnity, PPO

Billing essentials

Provider phone
(866) 763-3224
Electronic payer ID
03036
Claims mailing address
P.O. Box 890089, Camp Hill, PA 17089-0089
Timely filing limit
365 daysCompare all plans
Prior authorization phone
(866) 763-3224

Coverage under prefix ZAK

Medicaid

Under this prefix, the member may have Medicaid coverage managed by this BCBS plan. Medicaid claims have specific rules around cost-sharing, balance billing, and timely filing that override the plan's standard commercial policies. Contact the plan's Medicaid provider services line for submission details.

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.

PPO

PPO coverage under this prefix means the member can access any provider. In-network providers have negotiated rates with the plan, while out-of-network providers are reimbursed based on usual and customary charges. Prior authorization is generally not required for routine services but may be needed for high-cost procedures.

About Highmark Blue Cross Blue Shield

Highmark Inc. providing commercial, Medicare and Medicaid plans in Pennsylvania.