
If you're dealing with a significant life event, government programs can provide financial assistance to help with insurance claims.
The Federal Emergency Management Agency (FEMA) offers disaster relief programs that can help with insurance claims related to natural disasters.
You can find more information on FEMA's website, including eligibility requirements and application processes.
Government programs can be a vital resource for those who need help with insurance claims.
Government Programs
If you're dealing with government programs, it's essential to know where to send your claims. Electronic claim submission is preferred, but if necessary, you can submit paper claims.
Blue Cross Community Health Plans requires mail submission to P.O. Box 3418 in Scranton, PA 18505. It's c/o Provider Services, so make sure to include that in the address.
For Blue Cross Community MMAI (Medicare-Medicaid Plan), you'll need to send your claims to P.O. Box 3836 in Scranton, PA 18505, also c/o Provider Services.
Blue Cross Medicare Advantage claims should be mailed to P.O. Box 3686 in Scranton, PA 18505, c/o Provider Services.
Here's a quick rundown of the addresses you'll need:
- Blue Cross Community Health Plans: P.O. Box 3418, Scranton, PA 18505 (c/o Provider Services)
- Blue Cross Community MMAI (Medicare-Medicaid Plan): P.O. Box 3836, Scranton, PA 18505 (c/o Provider Services)
- Blue Cross Medicare Advantage: P.O. Box 3686, Scranton, PA 18505 (c/o Provider Services)
Filing a Claim
Filing a claim can be a daunting task, but it doesn't have to be. First, make sure you have all the necessary information, including your username and password.
To get started, you'll need to file a claim online. You'll need to provide the approximate date of the incident and general details of what happened.
You can add other information, like a police report number or names of anyone else involved, later if applicable.
If you're submitting a BlueCard claim, you'll need to include the three-character prefix preceding the member's ID number for proper routing.
Commercial Claims
Commercial claims can be submitted electronically, but if you need to mail a paper claim, send it to BCBSIL at P.O. Box 660603 in Dallas, Texas.
The preferred method of submitting commercial claims is electronically. This is likely because it's faster and more efficient.
If you do need to mail a paper claim, make sure to send it to the correct address: BCBSIL, P.O. Box 660603, Dallas, TX, 75266-0603.
Out-of-Area Claims

When traveling or living outside of your health insurance plan's service area, you might need to submit claims for out-of-area services.
The BlueCard program is a national program that enables members of one Blue Cross and Blue Shield (BCBS) Plan to obtain health care services while traveling or living in another BCBS Plan's service area.
To submit claims through BlueCard, you can submit claims for members from other BCBS Plans to the Illinois Plan.
A critical piece of information for proper routing of BlueCard claims is the three-character prefix preceding the member's ID number.
For complete details on the BlueCard program, you can refer to the BlueCard Program Manual.
Frequently Asked Questions
How to mail for an insurance claim?
To file an insurance claim, mail a letter to the insurance company with your policy number, a detailed description of the incident, and the date it occurred. Include your contact information and a clear statement of the damages you're claiming, and send it to the address listed on your policy documents.
Does your address matter for insurance?
Yes, your address can significantly impact your car insurance premium, as insurance companies analyze local claim data to determine rates. Your location's claim history can affect how much you pay for insurance.
Sources
- https://www.gohealth.com/medicare/medicare-administration/medicare-claims-address/
- https://www.bcbsil.com/provider/claims/claims-eligibility/claim-submission
- https://www.usps.com/help/claims.htm
- https://www.bluecrossnc.com/members/knowledge-center/submit-a-claim
- https://www.libertymutual.com/claims-center
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