New transparency with medical ID cards

March 29, 2022

​New medical ID cards provide greater transparency about the costs plan members are responsible for paying, as required by the Consolidated Appropriations Act.

medical ID card

Surprised to find a new medical ID card in your mailbox? New cards were recently mailed by Highmark Blue Cross Blue Shield (BCBS) to all Medical Plan members to comply with the Consolidated Appropriations Act (CAA). Also called the No Surprises Act, the CAA requires certain things to be spelled out more clearly on members' ID cards to help them better understand how much they will pay out of pocket when receiving care.

Your new card is ready to use

No action is required to activate your new card. You can simply remove the sticker and begin using it. You may confirm receipt by calling the toll-free number on the sticker. When calling this number, you will be prompted to confirm whether or not any covered family members have other health insurance.

New prescription ID cards from Express Scripts

In addition to new medical ID cards, members enrolled in the PPO, EPO, and HDHP were sent new prescription drug ID cards in early March. If you have not received your new prescription drug ID cards, call Quantum Health at 855-497-1237. You may also call Express Scripts at 800-344-3896. 

What's on your new ID card

Whether you're an active member enrolled in the PPO, EPO, or HDHP, or a retired member enrolled in the Medicare Supplement Plan, your medical benefits remain the same; your new ID card just looks a little different. The following information is now included on your medical ID card.

Deductible amounts

The deductible is a specified dollar amount you must pay each year for covered medical services before the plan begins to pay benefits (it does not apply for outpatient prescription drugs). If you enrolled any eligible family members for coverage, your card shows an individual and a family deductible amount.

If you're enrolled in the PPO, your new card shows both the network and out-of-network deductible amounts, based on your effective salary.

Out-of-pocket amounts

The annual out-of-pocket (OOP) amount is a cap placed on how much you may have to pay for your care in a given year. The types of expenses included in the OOP amount shown on your new ID card varies depending on your plan:

  • If you're enrolled in the PPO, the OOP amounts shown on your new ID card reflect your medical out-of-pocket maximum, which is the most you and any covered family members will pay in the form of coinsurance for the year. It does not include your deductible, office visit copays, or prescription drug expenses. Both the deductible and OOP amounts shown on your new card are based on your effective salary.
  • If you're enrolled in the EPO or HDHP, your new ID card shows your total maximum out-of-pocket amount, which includes your deductible, office visit copays (EPO only), and coinsurance/copays for covered medical expenses and prescription drugs.
  • If you're enrolled in the Medicare Supplement Plan, the OOP amount shown on your new card includes your deductible, but not your costs for covered outpatient prescription drugs.

Copay amounts

If you're enrolled in the PPO or EPO, your new ID card shows the copay amounts that apply for primary care physician (PCP) or specialist office visits, in addition to your deductible and OOP amounts. A copay is a flat dollar amount you pay upfront when using a network provider.

Quantum Health contact information

If you're enrolled in the PPO, EPO, or HDHP, your new card also includes contact information for Quantum Health. With the introduction of care navigation April 1, Quantum Health is now your primary point of contact when you have questions about your medical or prescription drug benefits.

Have a question or didn't receive your new ID card?

  • If you're enrolled in the PPO, EPO, or HDHP and do not receive your new medical ID card by April 1, or if you have any questions about your new card, call Quantum Health at 855-497-1237, Monday through Friday, 8:30 a.m. to 10 p.m. ET and a Care Coordinator will help you get a replacement card.
  • If you're enrolled in the Medicare Supplement Plan and don't receive your new card, or if you have any questions, call Highmark Blue Cross Blue Shield at 888-835-2959 from 8 a.m. to 5 p.m. ET Monday through Friday to request a new card.