Ensuring accurate and compliant billing practices is essential to maintaining trust with members and supporting a positive patient experience. Provider contracts and resources such as the BCBSND provider manual outline specific requirements related to member cost-sharing, covered services, and prohibited charges. When members are charged for services in ways that conflict with their claim processing information, it can lead to confusion, complaints, and potential corrective action required.
What Providers Need to Know
Provider contracts define how and when members may be billed for covered services. In most cases, providers may only collect the applicable member cost share, such as copayments, coinsurance, or deductibles, as outlined in the member’s benefit plan.
Charging members beyond what is contractually allowed — even unintentionally — may result in member dissatisfaction and additional administrative review.
Examples of billing practices that may conflict with contractual requirements include:
- Charging members for covered services that were paid by the health plan
- Collecting amounts above the member’s required copayment, coinsurance, or deductible
- Billing members for administrative or operational fees that are not permitted under the contract
- Requiring upfront payment for covered services beyond the member’s cost share
Why This Matters
When providers adhere to contractually agreed billing practices:
- Members receive a consistent and predictable experience
- Billing disputes and complaints are reduced
- Provider offices avoid issuing refunds
- Trust between providers, members, and the health plan is strengthened
Incorrect billing can create unnecessary barriers to care and may discourage members from seeking needed services.
Tips to Help Prevent Billing Issues
To support compliance and reduce billing errors, providers are encouraged to:
- Review terms within their contract and various resources such as those provided by BCBSND
- Verify member eligibility and benefits prior to rendering services
- Ensure front office and billing staff understand which charges may be collected from members. Collect only the member cost share shown on the Explanation of Benefits. If no member responsibility is listed, do not bill the member for covered services.
- Regularly review explanation of benefits (EOBs) to confirm appropriate member responsibility
- Refund members promptly if an incorrect charge is identified
Ongoing staff education plays a key role in preventing issues, particularly when benefit designs or contractual requirements change.
Questions or Concerns?
If you are unsure whether a charge is permitted under your contract, reviewing your provider agreement or reaching out for clarification before billing the member can help prevent issues. Addressing questions early supports compliance and helps ensure a positive experience for your patients.