ZAO

BCBS Prefix ZAO

Highmark Blue Cross Blue Shield

New York • Medicare Advantage, POS, EPO

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 ZAO

Medicare Advantage

This prefix includes Medicare Advantage coverage. MA plans follow CMS guidelines for timely filing (365 days from date of service), which may differ from the commercial plan's deadline. The payer ID for Medicare Advantage claims may differ from the standard commercial payer ID. Verify before submitting.

POS

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.

EPO

Under this EPO prefix, the member has no out-of-network coverage for routine care. However, unlike HMO plans, no referral is needed to see a specialist within the network. When billing, confirm the provider's network participation status with the plan before submitting the claim.

About Highmark Blue Cross Blue Shield

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