Blue Cross NC offers Pay as a Guest, a secure and straightforward way for subscribers and their loved ones to make one-time premium payments without creating an account or logging in. This feature is available for Medicare and individual under-65 members.
Written by the licensed agents at Health Plans of NC, an insurance agency authorized by Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers Pay as a Guest, a convenient way for subscribers and their family members to make one-time premium payments without logging into the member portal. This feature is ideal for those not enrolled in autopay, or for family members and friends helping a loved one pay their health insurance premiums.
Best of all: Blue Cross NC does not charge any fees when you pay your bills online through the member portal or Pay as a Guest.
Pay as a Guest is available to:
Medicare Advantage members
Medicare Supplement (Medigap) members
Medicare Rx (Part D) members
Individual under-65 members (both on and off the ACA Marketplace/Exchange)
Dental and vision plan members
Family members or friends making a payment on behalf of a subscriber
Note: If you're enrolled in autopay, your payments are already handled automatically. However, subscribers with a member portal account can still use Pay as a Guest to make a one-time payment without logging in.
Anyone—subscribers, family members, or friends—can make a payment quickly and securely from a desktop computer or mobile device without sharing login credentials.
To make a payment:
Visit https://www.bluecrossnc.com/contact-us/manage-payments
Click "Make a Payment" under Helpful Information
Select "Pay as a Guest"
Direct link: You can also go directly to guestpay.bcbsnc.com
To complete a payment as a guest, you'll need the following subscriber information:
9-digit subscriber ID number (found on the member ID card)
Date of birth (MM/DD/YYYY format)
5-digit ZIP code (where bills are sent)
Pay as a Guest accepts multiple payment methods:
Bank Account Draft (EFT):
Pay directly from your checking or savings account
You'll need your bank routing number and account number
Credit or Debit Cards:
Visa
MasterCard
Discover
American Express
Digital Wallets:
Apple Pay
Google Pay
PayPal
Venmo
HSA/FSA Cards:
You can also use your Health Savings Account (HSA) or Flexible Spending Account (FSA) debit card
Payments will appear in the member portal within 24-48 hours
A confirmation email will be sent if an email address is on file for the subscriber
Premium payments must be posted by 6:00 p.m. Eastern Time to be credited that day
No login required: Make payments without creating an account or remembering a password
Help loved ones: Family members and friends can pay on a subscriber's behalf without needing the subscriber's login credentials.
Multiple payment options: Pay with credit card, bank account, or popular digital wallets
No fees: Blue Cross NC does not charge fees for online payments
Secure: Payments are processed through a secure, encrypted connection
Backup option: Provides a hassle-free way to pay premiums even if the member portal or pay-by-phone services are temporarily unavailable
In addition to Pay as a Guest, Blue Cross NC offers several other payment options:
Member Portal:
Log in at https://www.bluecrossnc.com/members/member-portal to view invoices, make payments, and manage billing preferences
Set up AutoPay to have your premium automatically paid each month
View billing history and download invoices
By Phone:
Individual and family plans: 800-333-7009
Medicare plans: 844-395-4535
Note: Phone payment is not currently available for Medicare Supplement, Medicare Advantage, or Medicare Rx policies, but these can be paid online
By Mail:
Send a check or money order using the payment coupon included with your bill
While Pay as a Guest is convenient for one-time payments, enrolling in AutoPay through the member portal is the easiest way to ensure you never miss a premium payment. With AutoPay:
Your premium is automatically paid each month
You'll receive email notifications when a new bill is ready
No fees are charged by Blue Cross NC (though your bank may charge for drafts if funds are insufficient)
You can cancel or modify AutoPay at any time through the member portal