Paying your health insurance premium should be easy, fast, and hassle-free. If you’re insured through Premera Blue Cross, you’ll be glad to know they offer multiple bill payment options to suit every preference—from online and mobile payments to automated deductions and traditional mail.
In this guide, we’ll break down everything you need to know about how to pay your Premera Blue Cross bill, including accepted payment methods, step-by-step instructions, late payment policies, and troubleshooting tips.
Why Paying Your Premera Blue Cross Bill On Time Matters
Staying current on your Premera premiums is essential to maintaining uninterrupted coverage. Failure to pay your monthly bill may result in:
- A grace period followed by policy suspension
- Denial of medical claims
- Lapsed coverage that may be hard to reinstate
Fortunately, Premera makes the process straightforward with multiple payment options available 24/7.
Payment Options Available for Premera Blue Cross Members
1. Online Payment via Member Portal
The fastest and most convenient way to pay is through the Premera Member Account.
Steps to Pay Online:
- Go to www.premera.com
- Click on “Log In” and enter your credentials
- Navigate to the Billing & Payments section
- Select “Make a Payment”
- Enter your payment method and submit
Accepted payment types:
- Credit/debit cards (Visa, MasterCard, Discover)
- Bank account (ACH transfer)
2. Pay as a Guest (No Login Required)
If you prefer not to log in, you can use the Guest Payment portal:
Steps:
- Visit Premera.com/pay-my-bill
- Choose “Pay as Guest”
- Provide your account/policy number and ZIP code
- Enter payment details and confirm
Great for paying on behalf of someone else or when you’re short on time.
3. Automatic Payments (AutoPay)
Set it and forget it. Premera offers AutoPay enrollment for hands-free billing.
How to enroll in AutoPay:
- Log into your member portal
- Go to Billing Preferences
- Enable AutoPay and add a payment method
Payments are typically deducted 2–3 days before your premium due date.
4. Mobile App Payment
Premera’s mobile app allows secure on-the-go payments.
Download the app from Google Play or Apple App Store:
- Log in using your member credentials
- Tap on the Billing/Payment tab
- Choose your payment method and submit
5. Pay by Phone
Call Premera’s automated payment system to pay over the phone using your card or bank info.
Phone Number: Refer to the back of your ID card
Availability: 24/7 automated system or speak to a live agent during business hours
6. Pay by Mail
You can mail your check or money order to the address listed on your billing statement.
Mailing Instructions:
- Make your check payable to Premera Blue Cross
- Include your account or invoice number
- Send it to the address printed on your invoice
Note: Allow 7–10 business days for processing via mail.
When Is Your Premera Bill Due?
Most plans require payment by the first of the month. For example, your May premium is due by May 1. Premera typically provides:
- A grace period of 30 days for most individual and family plans
- Shorter grace periods for employer-sponsored plans, depending on group agreements
What Happens If You Miss a Payment?
Failing to pay by the due date may result in:
- Temporary suspension of benefits
- Medical claims being held or denied
- Termination of your health insurance policy
To reinstate coverage, you may need to:
- Pay past due amounts in full
- Submit a reinstatement request (subject to approval)
- Re-enroll during the next open enrollment period if terminated
Troubleshooting Payment Issues
If you experience any of the following issues:
- Error processing your online payment
- Duplicate charges
- Can’t access the billing portal
- Need help understanding your invoice
Contact Premera Member Services:
- Phone: Call the number on your ID card
- Live Chat: Available during business hours through the website
- Email: Log in to send a secure message
For technical issues, use the “Need Help?” link at the bottom of the login page or contact their website support team.
Paying your Premera Blue Cross premium doesn’t have to be a chore. Whether you prefer to manage everything online, use a mobile app, or send payments by mail, Premera offers user-friendly billing tools for a smooth experience. Setting up AutoPay is a smart way to ensure you never miss a payment and maintain uninterrupted access to quality healthcare.
If you’re a current Premera member, make sure you’re familiar with your plan’s billing cycle and payment options—and always pay by the due date to avoid coverage issues.