Basic Insurance Primer

Aetna
• Billing Address: PO Box 981109, El Paso, Tx
• HMO = 8 alphanumeric (mostly letters). Primary cardholder ends in A.
• PPO/POS = W + 9 numbers
• Never uses the letter O, always uses the number 0 (zero)

Blue Cross – Federal
• Policy = R + 9 numbers

Blue Cross – Other
• Policy = 3 letter prefix + numbers and letters
• Call 1-800-676-2583 opt 4 with your 3 letter prefix to find out what state it goes to

Champ VA
• Patient is subscriber
• Policy = Pt’s SSN

Cigna
• Policy = U + 8 numbers + 2 number suffix
• Group = 7 numbers

Harvard Pilgrim
• Policy/contract number will begin with HP
• Group number is HPHC
• Note: Policy beginning with HH = Health Plans NOT Harvard Pilgrim

Health Plans Inc
• Billing Address: PO Box 5199, Westborough MA 01581
• Policy/contract number will begin with HH

TriCare (North)
*** Subscriber’s address needs to be the physical street address; PO Boxes are not accepted by TriCare
• Billing Address: PO Box 870140, Surfside, SC
• Specify Military Status and Branch of Military

TriCare for Life
• ***Patient must also have Medicare (Medicare is typically primary payer)
• *** subscriber’s address needs to be the physical street address; PO Boxes are not accepted by TriCare
• Specify Military Status and Branch of Military

United Healthcare
• Policy = 9 numbers
• Group = 6 numbers

Please comment with your basic, major insurance tips!

8 Responses to “Basic Insurance Primer”

  1. VEDA MCCOY says:

    YIE-NEW MEXICO

  2. VEDA MCCOY says:

    RFC-MINASOTA

  3. Joshi says:

    Please send me the UHC group list and Its direct Phone #’s

  4. Joshi says:

    Please send me the UHC group list and its direct Phone Numbers.

  5. Sorry, Joshi, I don’t have that. Maybe someone else reading the site does?

  6. Phil says:

    HUMANA: H + 8 NUMBERS

    ANTHEM BLUE CROSS: 3 LETTER ALPHA + AN + POLICY NUMBER

    ANTHEM BC OF CALIFORNIA: 3 LETTER ALPHA + 4-5 NUMBERS + A + POLICY NUMBER

    KEYSTONE 65: ALWAYS STARTS WITH Q3M

    HEALTHPARTNERS (PA MA PROGRAM, NOT MINN INSURANCE PROGRAM)
    PA STATE MEDICAL ASSISTANCE ID (10 DIGITS)

  7. Norma says:

    There are some United Healthcare plans that have 5 digit group numbers. As I work in a radiology facility, I have found that those are the ones that generally do not need authorization for MRIs & CTs.

  8. veda says:

    CFE-PREMERA

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