First Premium Payment How to help your customers apply

Applications for individual coverage may be submitted on paper or online. In either case, the applicant must decide whether to pay his or her monthly premiums through ACH payments or by check. Please read below for additional details on the payment options.

Paper Applications

Paper applications must be submitted with a check for the first month’s premium or with a completed Electronic Payments Form to authorize monthly ACH payments.

ACH payments:

  • Applicants supply the required banking information by completing the Electronic Payments Form in the application kit. The Electronic Payments Form must be signed by the accountholder and sent with the application.

Check payments:

  • Please use the following for payment amounts:
  • The check will not be cashed until the underwriting process is complete and the applicant is approved. If coverage is denied, the check will be returned. If the premium due is more than the amount of the check received because of a risk category difference, the applicant will be billed the difference.
  • HMO applicants should make checks payable to Keystone Health Plan East. PPO applicants should make checks payable to Independence Blue Cross.

Online Applications

Online applicants may pay monthly using ACH payments. They may also select the Bill Me option to pay by check. If the applicant is approved, an invoice will be sent for each month’s premium.

ACH payments:

ACH payments are the fastest way for online applicants to complete the enrollment process if approved for coverage. Applicants supply the required banking information as part of the online process. If premium payments are to be taken from an account other than the applicant’s personal, business, parent’s, or spouse’s account, we will require a letter from the accountholder that authorizes the deduction of premium payments from that person’s account.

Check payments:

  • Online applicants select the Bill Me option, which allows approved applicants to receive a monthly invoice in the mail. When the first premium payment is received, the applicant is enrolled and ID cards are issued.
  • HMO applicants should make checks payable to Keystone Health Plan East. PPO applicants should make checks payable to Independence Blue Cross.
  • To expedite the enrollment process, you can also encourage applicants to pay their invoice using their bank’s online check payment system. Be sure to remind them to include their account number with their payment for faster processing.

Switching from Check to ACH Payments

Members who pay by check may switch to ACH payments anytime by registering on ibxpress.com. Once registered, select the View/Pay invoices link, select Pay Invoice, then enter all the required banking information. Members may also call Customer Service at 1–800–ASK–BLUE (1–800–275–2583) and ask to set up ACH payments.