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Member rights

Member rights & responsibilities

As a member, you have a certain rights and responsibilities, such as filing appeals, subrogation, privacy, nondiscrimination and more.

View your rights

Surprise billing notice

Under the Consolidated Appropriations Act of 2020, you may be protected from surprise or balance billing if you were treated by an out of network provider that you had no choice in using while being treated in an emergency room, a stand-alone emergency center, or in certain instances during a planned procedure at one of our in network facilities.

View notice

Summary of Benefits and Coverage

View an easy-to-understand summary about your health plan's benefits and coverage.

View benefits

Report fraud and abuse

Find out how to spot and report fraud such as false claims, misrepresentation of services, medically unnecessary services and more.

Report fraud

File an appeal if a claim is denied

Members have a right to file an appeal to request the review of a denial of a claim in whole or in part.

View appeals

Avoid phone scams

If you receive a call from Arkansas Blue Cross and Blue Shield, we want you to be certain it really is from us. Here's a few ways to be 100 percent certain.

How to avoid phone scams

What is subrogation?

Subrogation refers to the legal right of an insurance company — after payment of a loss — to recover monies from the responsible party's insurance carrier.

View subrogation

Personally Identifiable Information (PII) disclosure

Review our privacy notice statement regarding your Personally Identifiable Information.

View PII disclosure [pdf]

Claims Payment Policies & Other Information

This section provides general information concerning our health insurance plans to aid in the understanding of common policies and procedures.

View transparency in coverage