Blue Cross Blue Shield (BCBS Association and FEP Blue)

Get help with (3)

• Insurance claim deniedAppeal with your local Blue plan (address on the EOB). FEP members ask the Local Plan to reconsider within 6 months, then ask OPM.
• Billing errorCompare the bill with the EOB from your local Blue plan, then ask the plan and the provider to fix it.
• Surprise medical billCompare the bill with the EOB, tell the local Blue plan and the provider, then contact the CMS help desk.

Contacts (7)

Escalation path

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   MailOPM review of a disputed FEHB claim (after the Local Plan reconsideration) United States Office of Personnel Management, Health Care and Insurance, Federal Employee Insurance Operations, Health Insurance 1, Room 3425, 1900 E Street, N.W., Washington, DC 20415-3610
   PhoneFEP Blue overseas customer service (FEHB), from the U.S., Puerto Rico and U.S. Virgin Islands +1-888-999-9862

   Call the number on the back of the member ID card. That is your local Blue company, an independent licensee of the Blue Cross Blue Shield Association.

2. Written complaint

   FormFEP Blue dispute a claim (disputed claims process)

   Internal appeal with the local Blue plan. FEP members: written reconsideration request to the Local Plan, then OPM.

3. Federal regulator

   MailOPM review of a disputed FEHB claim (after the Local Plan reconsideration) United States Office of Personnel Management, Health Care and Insurance, Federal Employee Insurance Operations, Health Insurance 1, Room 3425, 1900 E Street, N.W., Washington, DC 20415-3610

   FEP members only: OPM review is the external step for federal employee plans.

4. State agency

   Your state’s insurance department. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

   External review for fully insured non-federal plans; complaint to the state.

5. Federal regulator

   RegulatorU.S. Department of Labor, Employee Benefits Security Administration +1-866-444-3272

   Employer self-funded (ERISA) plans administered by a Blue plan.

6. Federal regulator

   RegulatorCMS No Surprises Help Desk +1-800-985-3059

   Surprise bills under the No Surprises Act.

Known blockers

Scam warnings

Verification notes

Blue Cross and Blue Shield plans are independent companies licensed by the Blue Cross Blue Shield Association. Members must use their own local Blue plan (named on the ID card) for claims and appeals. The Federal Employee Program (FEP Blue, the Service Benefit Plan) covers FEHB and Postal Service (PSHB) members; its external step is OPM review, not state external review. Separate registry entries cover Blue plans owned by Elevance Health (Anthem).