A claim is a request for payment from Blue Cross Blue Shield of Texas (BCBSTX) for the medical or mental health services you get. Normally, these are submitted by your provider, but in certain situations such as when you get out-of-network services or services overseas, you may need to pay up front and file the claim to BCBSTX yourself.

When you get services from a non-network provider, you have 18 months from the date of service to submit a claim to BCBSTX for possible reimbursement of your covered health services. If you submit your claim more than 18 months after the date of service, your claim will be denied, and benefits will not be paid to you or your provider.

When your health care claim has been processed, you will get an Explanation of Benefits (EOB) or a claims letter. You get an EOB when HealthSelect pays first — before any other insurance plan pays for the services you get. A claims letter is used when HealthSelect is the second or third payer.

How to submit an out-of-network domestic claim

When you get care from in-network providers, they submit claims to BCBSTX for you. If you see an out-of-network provider, you may need to submit claims yourself for reimbursement.

Out-of-network claims for both medical and mental health services can be submitted through your Blue Access for MembersSM participant portal:

  • After logging in to Blue Access for Members, you will click on the "Messages" tab at the very top of the page.
  • Then click on the "New Messages" button on the left-hand side.
  • A "New Message" box will appear, and you can create your message.
  • Use the "Add Attachment" button to upload your claim form and an itemized bill showing the services you got.

You can also submit both medical and mental health claims by mail to:

Blue Cross and Blue Shield of Texas - Claims
PO Box 660044
Dallas, TX 75266-0044

How to submit an international claim

You can submit your completed international claim form and documentation using one of the following methods:

By mail:
Service Center

P.O. Box 2048
Southeastern, PA 19399

Online: at

By email:

Claim forms

BCBSTX Personal Health Assistants are available
by phone

Call a BCBSTX Personal Health
Assistant toll-free

(800) 252-8039 (TTY:711)

Monday-Friday, 7 a.m.-7 p.m. and
Saturday, 7 a.m.-3 p.m. CT.

You can also communicate via secure chat and secure messaging
Monday-Friday, 8 a.m.-5 p.m.,
after logging into Blue Access for Members