The CAA prohibits out-of-network providers from balance billing members for these covered services: emergency services, non-emergency services furnished by out-of-network providers at in-network facilities, and air ambulance services. We’ll refer to these as Protected Services, meaning the member is generally protected from balance billing.
In some instances, providers can balance bill for some of these Protected Services, but only after a provider gives a member a consent form, and the member signs the form. Not all Protected Services are eligible for balance billing after obtaining a member’s consent, such as, but not limited to, covered emergency services (excluding post-stabilization services), covered air ambulance services, anesthesia, pathology, radiology, laboratory, neonatology, and also assistant surgeon, hospitalist and intensivist covered services.
The U.S. Department of Health and Human Services (HHS) has issued additional regulations and information for providers regarding required notice and consent documents, along with instructions on how to provide these documents to patients.
Information we’re required to share with out-of-network providers relating to Protected Services and the Qualified Payment Amount (QPA)
The member’s cost-sharing for Protected Services is calculated based on the “recognized amount,” which is defined by federal regulations. We’ve determined that in Tennessee the recognized amount is the lesser of the QPA and the provider’s billed amount.
When the recognized amount is the QPA, federal law requires us to provide you with certain information about the QPA:
- The QPA for an item or service is identified on the remittance advice, with an appropriate explanation code.
- If the QPA is based on a downcoded service code or modifier, the original procedure code and its accompanying QPA.
- The QPA is defined in federal law and, generally speaking, is considered the median contract rate for an item or service furnished by a similar provider or facility in the same insurance market.
- BlueCross determines the QPA for each item and service using a good faith, reasonable interpretation of federal regulations.
- A provider who’s not satisfied with their payment from BlueCross for a Protected Service can begin the open negotiation period provided under federal law within 30 business days of the initial payment or notice of denial from BlueCross.
- A provider must initiate the independent dispute resolution (IDR) process within four business days after the end of the open negotiation period.
Open Negotiation and Independent Dispute Resolution
Open Negotiation Process
To initiate open negotiation with BlueCross, you must complete and email the federally required Open Negotiation Notice form to BlueCross at CAA_OpenNegNotice@bcbst.com. In addition, please return the BlueCross Open Negotiation Notice Supplemental Information Form, so we have everything we need to review your request. Links to these forms can be found below.
If you have questions about this open negotiation process, please call Provider Service at 1-800-924-7141 or email us at CAA_OpenNegNotice@bcbst.com.
Independent Dispute Resolution (IDR)
If you wish to dispute the results from the open negotiation, you must initiate the IDR process within four business days after the end of the open negotiation period.
To do so, you must submit the applicable form to the federal government’s IDR Portal. On the same day, you’ll need to submit the form to nsaidr@multiplan.com or through the provider.mulitiplan.com website. Please include any attachments and information sufficient to identify the services in the dispute. You can find a link to this form in the News & Updates section of provider.bcbst.com. We’ve also included a link to the CAA law if you’d like to learn more about its provisions and how they affect your practice.
Here are the links to the forms to initiate the 30-business-day open negotiation period:
Federal Open Negotiation Notice Form
