Medicare Member Bill Pay Options

Several options are available to pay medical premiums with a credit card, debit card and/or bank account (American Express not accepted). Blue Select dental plans receive a separate bill that is payable only via Express Pay, check or money order. FAQs for members, caregivers, spouses and partners

Log In to Pay

View or pay your bill, manage automatic payments.

Pay using our Mobile App!

Express Pay

Pay any amount on a member bill without login

Express Pay

Please have these ready: Subscriber / Member information, Debit / Credit Card information and a copy of the bill being paid.

More Payment Options

Go Paperless

Opt in for digital delivery of your medical health insurance premium bill.

Log in

Pay By Phone

  • Pay your bill by Phone
  • Get answers to billing questions
Call Us

Pay by Mail

Mail the return portion of your medical or dental bill with a check or money order payable to:

Excellus Health Plan
P.O. Box 5267
Binghamton, NY 13902-5267

Frequently Asked Questions

How can I pay my insurance bill?

Monthly medical premium payments can be made the following ways:

  • Online or mobile app (credit card payment)
  • Automatic payment from your bank account
  • Social Security deduction
  • Automated phone system (also called an IVR)
  • By mail (check or money order)

Is there a fee to pay online or by phone?

No, there is no fee with paying online or by phone.

Can I make a partial payment?

Yes, you can make a partial payment. However, please be sure to pay the total balance owed by the due date to avoid possible termination.

Can I make a payment through my bank or my bank’s online payment service?

Yes, you can make a payment through your bank or their online payment service. Please visit your bank’s website or contact your bank directly for information on how to pay, set up automatic payments or/update automatic payments with your bank.

What are the methods of payment accepted?

We offer several options for you to pay your premium bill using a credit card, debit card and/or bank account (American Express not accepted).

What happens to my amount due when my policy and/ or premium amount due changes?

Policy changes that are made that impact the total premium due amount will reflected on your next invoice and online, this includes policy changes that change premium that occur at the time of your annual enrollment renewal.

The changed premium amount can take 7-10 business days to be reflected on your invoice.

If you have an automated payment, the amount of that payment will be updated to reflect your new monthly premium amount.

How can I enroll in auto pay, update or change my automatic payments and/or social security deductions?

Login to Your Member Account

If you have a member account with bill pay access through our website you can log in to your online account, setup and/or update automatic payments through the website. These payments are withdrawn on the 4th of every month.

Schedule Automatic Payments through your Bank

You can also schedule your payments directly through your bank. If your premium amount changes at any time you are responsible to update your payments with the bank.

Social Security Deduction

You can call us to setup and/or update your social security withdrawal as needed.

It can take up to three months for your Social Security deduction to take effect. Please pay until confirmation of your payment method change is confirmed. Future invoices after the change is processed will show the deduction has been applied.

Note: Members that previously setup payments using the PDF/mailed in form are unable to modify these payments online.

When will my premium be deducted from my account?

Payments Setup Using the Automatic Payment Form

If you have setup your payments using the automatic payment form, the premium withdrawn on the 4th of the month. If the 4th falls on a weekend or holiday, the payment will be withdrawn on the next business day.

Other Methods of Payment

When you schedule or submit a payment using another method (e.g. mail, scheduling payments with your bank, paying by phone) your premium is due by the date on your invoice to avoid possible termination and loss of coverage.

Will the amount of my automatic payments ever change?

When you sign up for automatic payments the amount of your payment will only change if:

  • more or less than the amount due has been paid on the account
  • the policy premium rate changes due to an annual premium change, change in policy, change in plan type, or change in subsidy eligibility

Payments scheduled directly through your bank must be updated directly with your bank.

Can someone, other than me, make payments on my insurance policy?

Yes, caregivers and spouses may make a payment on a member policy using our Express Pay feature or you can pay by phone.

When using Express Pay or if paying by phone please have the following information ready: subscriber/member information, credit or debit card information, and a copy of the bill(s) being paid.

Can I pay for more than one policy using my online member account?

If you have multiple accounts you are responsible to pay (e.g. you are a caregiver or pay for your spouse as example), you can use our convenient Express Pay option or pay by phone.

When using Express Pay or if you pay by phone please have these ready: subscriber/member information, credit or debit card information, and a copy of the bill(s) being paid.

Where can I find the status of my payment?

When you log in to your member account and pay a bill your balance will be updated when the payment is made via the website or mobile app.

Where can I view my past payments?

When you log in to your member account you can view and search prior payments made on your account (one-time payments, check, automatic payments, etc.).

Can I make an early payment? (e.g. going on vacation and want to pay early)

Yes, you can pay your premium early.  If you pay early or in advance, you will not receive a premium bill until a premium payment is due on your account.

Why do I have to pay my premium in advance?

Premium payments are due in advance so that any services you should need during the month are covered. Invoices are typically mailed one month in advance, but for some New York State programs we are required to mail invoices up to 90 days in advance of the due date.

Please don’t hesitate to call us if you have questions.

What happens if my insurance payment is received late?

It is best to pay your premium owed no later than the due date to avoid possible loss of coverage.

I paid my premium bill but received a late notice. Did you get my payment?

If you paid your premium after the due date, it is possible that the payment was processed after the reminder notice was automatically sent to you. You will avoid receiving future notices by paying your premium by the due date.

If I can’t afford my premium, how long do I have to get current?

Grace periods may vary by plan. Please review your invoice or call us with any additional questions.

What happens if I’m terminated for non-payment? How do I get reinstated? Can I re-enroll?

If your health coverage has been terminated due to non-payment, please call the Customer Care number on the back of your member card to discuss your reinstatement options.

Will I receive a confirmation of my payment?

You will receive an email confirmation of your payment when you pay using our website or mobile app.

How long does an online or phone payment take to apply to my policy?

Payments made to the health plan online or via phone take 24-48 hours to be applied to your policy.

How do I change the address my invoice is mailed to?

  • Please follow the instructions on your invoice or call us and we’d be happy to assist you.

How can I get a copy of my insurance policy or my bill?

You can log in anytime to view your invoice and pay online.

Who can I call if I have questions about my bill?

Call us and we’d be happy to assist you.

How do I make a payment when I am leaving one policy and starting another?

Your New Policy

  • When you change to a new policy you will receive an invoice for the new policy. Please pay the amount due by the due date to maintain your coverage.
  • You can setup automatic payments for your new policy using our automatic payment options.

Existing/Previous Policy

  • You are responsible to pay invoiced amounts on your existing/previous policy.
  • If you have setup automatic payments the invoiced amounts on your existing/previous policy will continue to be deducted until your old policy is paid in full and no longer active.

Excellus BlueCross BlueShield is an HMO plan and PPO plan with a Medicare contract. Enrollment in Excellus BlueCross BlueShield depends on contract renewal. Submit a complaint about your Medicare plan at or learn about filing a complaint by contacting the Medicare Ombudsman. Y0028_9775_C.

This page last updated 10-01-2023.


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