FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT

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1 FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT BENEFIT INFORMATION CLAIMS STATUS/INFORMATION GENERAL INFORMATION PROVIDERS THE SIGNATURE 90 ACCOUNT PLAN THE SIGNATURE 80 PLAN USING YOUR SIGNATURE BENEFITS PLAN TO RECEIVE CARE YOUR PRIVACY GETTING HELP ID CARDS / ELIGIBILITY / ENROLLMENT How can I correct my ID number or Social Security number if it is not correct in Empire s records? You cannot change your medical ID number or Social Security number through the website. Please contact your Human Resources office and advise them of the problem with your Social Security number. Your medical ID number is determined by Empire and cannot be adjusted. Do I need to request an ID if I just enrolled? No. ID cards will automatically be sent to you in about 3 weeks. What should I do if I need an extra or a replacement ID card? You can order extra or replacement cards by going to Empire s website ( where you can logon and go to Request ID Cards. You can also call Empire at and ask them to mail cards to you. Can I create a temporary ID card if I have not received my ID card but I need to go to the doctor immediately? Yes, you can create a temporary ID card by going to the Empire website ( where you can logon and go to Request ID Cards. How can I update my dependent s status when he/she is age 19 or older and becomes a full-time student? To update the student status of your dependent, a Student Questionnaire must be completed by the college to verify that the student is enrolled fulltime at an accredited school. Please download, print, and have the college complete and mail the Student Questionnaire to Empire in order to ensure their coverage. To download the form, log on to then click on the link for Forms, and you will see the Student Questionnaire form. You must also provide a copy of this information to the Human Resources office for your files; be sure to request that they update your dependent s status in their system. How do I update status for my dependent child who is mentally or physically handicapped and is over the dependent age limitation of 18 years old? To request to enroll a disabled dependent, a Disabled Dependent Eligibility Form must be completed by the dependent s physician. To download the form, click on the link for Forms, and you will see the Disabled Dependent Eligibility Form. Have your dependent s physician complete the form and mail it to Empire. You must also provide a copy of this information to the Human Resources office for your files; be sure to request that they update your dependent s status in their system. BENEFIT INFORMATION How can I access the benefits information for my plan?

2 To obtain your plan s benefit information, click on and register on the secure website. After registration, you will have access to a summary of the benefits. What types of wellness or health promotion programs are offered? Quebecor World and Empire offer a variety of programs relating to healthy living, medical advice, savings on health and nutritional services, and medical management. A good way to start is to participate in the Quebecor World Health Survey. You can also explore information available on the Empire website, including the services and information on WebMD. If you need additional assistance or have questions, you should contact your Human Resources office. When traveling, can I receive coverage out-of-area? In most cases, yes. Urgent or Emergency care can be obtained through the BlueCard Program and/or BlueCard Worldwide. To find a provider near your destination, you can use the provider search on Empire s website or you can call Empire at the toll-free number on your ID card ( ). CLAIMS STATUS / INFORMATION Is there anything I can do to help speed up the processing of a claim? You should allow at least 14 days from the date Empire receives the claim for the claim to be processed. The information reported in the claim must be complete and current. You can help by making sure your Human Resources office is updated with addresses changes, and by completing forms that relate to coordination of benefits, student verification, handicapped dependent verification, etc. What should I do if I disagree with the way a claim was processed? You can call Member Services at the toll-free number on the back of your ID card( ). You can also access Member Services on the website by selecting Click to Talk to connect with an online Empire representative. You have 180 calendar days from the date the claim was processed to appeal the claim. I just found an old check is it still good? Most checks are valid for 180 days. However, the correct length of time is printed on the check. If you have a check that is no longer valid, please contact Member Services or access Member Services online on the website to request a replacement check. What is balance billing and how does it affect me? If a non-participating doctor or facility charges more than Empire s allowed (reasonable and customary) amount, that provider may bill you for the difference. If you go to a participating provider, their fees have been discounted so you do not have to worry about balance billing for any amounts over reasonable & customary. What is patient responsibility? Patient responsibility is the amount you pay for your healthcare services. The portion can include individual or family deductibles, coinsurance, precertification penalties, or balances billed by nonparticipating providers. Are all claim payments sent to the provider or will checks be mailed to me? Checks are usually sent to the provider when the services are performed by a participating provider. If services are performed by a non-participating provider, checks are usually sent to you and you must then reimburse the provider upon receipt of their bill. Why was my claim processed as an out-of-network claim? Claims are processed as out-of-network whenever you use an out-of-network provider. Innetwork benefits are better than out-of-network benefits, so in order to save money, you should try to use participating providers whenever possible. It is your responsibility to confirm that the

3 doctors and hospitals are sending your lab work and radiology screenings to in-network providers. Why was coinsurance applied to my claim? Your plan requires that you pay a percentage of the allowed amount for a covered service after the deductible has been met. This percentage is your coinsurance, or your share of the cost, which you pay up to the annual out-of-pocket maximum. Please refer to your employee benefits information on this website, on Quebecor World s IQ website, or check your claim history on this website to see when coinsurance was applied. Why am I getting a bill from my provider? Your provider will send you a bill for your share of your health care costs (patient responsibility), as outlined in your plan s benefits. Your share can be deductibles, coinsurance, precertification penalties, non-covered services, or balances billed by a doctor or facility that is not in the network. How can I limit my patient responsibility, or the amount I have to pay? Patient responsibility can be limited by using network providers whenever possible, using generic or preferred formulary prescriptions, and asking questions to confirm that only necessary services are received. What should I do if I have a claim denied? If you need more information that what is provided on the Explanation of Benefits (EOB), you should contact the Customer Service number on the back of your ID card ( ). How should I file a claim? If you use a participating provider, the provider will file the claim for you. If you use a nonparticipating provider, they may file it for you; if not, you should submit the claim to the address provided on the claim form and on your ID card. To obtain a claim form from this website, click on Forms and then select Claim Form. Be sure to submit an itemized bill that includes the diagnosis and procedure codes, as well as the provider s name, address, and tax ID number. GENERAL INFORMATION Will my health benefits be reduced if I fail to precertify? Failure to call and precertify services may result in the reduction of benefits for each hospital admission, treatment, or procedure. This benefit reduction also applies to same-day surgery and professional services rendered during an inpatient admission. Please refer to your benefits summary for further information or call Empire s Customer Service number on the back of your ID card ( ). Do I need a referral to go to the hospital for emergency room services? No, you do not need a referral for emergency room care. In an emergency, you should seek appropriate care immediately. However, an emergency room services should only be used when you truly have an emergency. If you or your dependent are in a life threatening situation, you should not hesitate to go to the emergency room. If you are admitted, you (or a family member or close friend) must contact Empire s Medical Management within 48 hours even if this happens on a weekend or holiday. You can reach them by calling Empire s toll-free number on your ID cards. If you do not reach a person, you must leave a message and someone will contact you on the next business day. When do I have to precertify and how do I precertify? Any time you are admitted to the hospital for inpatient care, you must call Empire to precertify your hospital stay. There are other times when you must call Empire for precertification and you can find the details on the website To precertify, you should call Empire s toll-free number,

4 If I send an to Empire, how long will it take before I get a response? Empire will respond to your within 24 to 48 hours. What should I do if I discover fraudulent billing by a provider? You should always review the bills you receive from the hospital and other providers to make sure they are correct. If you feel a fraudulent claim has been filed, you may call the Fraud hotline at I-C-Fraud ( ) What are the hours of operation for the telephone service center? The operating hours are 8:30 AM to 5:00 PM EST, Monday through Friday. Where can I find important Empire phone numbers? The back of your ID card has the toll-free phone numbers for Member Services and Medical Management. What if the question I want to ask isn t in the FAQ section? If your question hasn t been addressed in this section, please use the Click to Talk link to contact Empire. PROVIDER INFORMATION Where can I find information about participating providers? You can locate participating providers using the Blue Tools (Find a Doctor or Specialist) or by calling Member Services at the toll-free number on your ID card ( ). Can a participating provider or facility balance bill for services the plan doesn t cover? If the plan does not cover the services, then yes, they may bill you for those services. How can I obtain a participating provider directory? Using the Blue Tools, click on Find a Doctor or Specialist. The resulting page will list the option General Provider Directory for Buinesses. Click on this option and follow the steps provided. The Signature 90 Account Plan What is the Signature 90 Account Plan? The Signature 90 Account Plan is a new health care plan that encourages you to take more control of your medical care. In this plan, your company provides health care dollars for you in a Health Reimbursement Account (HRA) to help pay for your first covered health care services. If your expenses exceed your annual HRA fund, the plan also provides health care benefits to further protect you. In addition, you have access to the health and financial tools needed to help you manage your medical dollars and decisions wisely. How does the Signature 90 Account plan work? Quebecor World makes an annual deposit for you (and your family, if you select coverage for them) in a Health Reimbursement Account (HRA). The funds in your HRA are used first to pay for the expense of covered health care services and prescription drugs. If you have money remaining in your HRA at the end of your plan year (January 1 through December 31) - and many people do the remainder of it stays in your HRA to help pay for future health care needs, as long as you continue to enroll in the Signature 90 Account plan. If you experience a major illness or injury, or if your medical expenses exceed your annual HRA allocation, the plan s health coverage will further protect you once you have paid your deductible.

5 What if I get seriously ill and all of my HRA money has been spent? You're still protected. After the money in your HRA has been spent and you ve paid your deductible, your Signature 90 Account plan will pay benefits on your eligible medical claims. See the Signature 90 Account Plan Benefit Summary on the Benefits page for more details. What is a Deductible? Your deductible is the amount that you must pay out of your own pocket before your health plan pays for services at the allowed coinsurance level. Payments from your HRA count toward satisfying your deductible. Some expenses, such as amounts over reasonable and customary or prescriptions that are not filled by an EHS/PharmaCare pharmacy or their mail order service, are not eligible to be applied to the deductible. The deductible amount can be found on the Signature 90 Account Plan Benefit Summary on the Benefits page. Does my family have to meet the entire family deductible before claims are paid by the plan? No. The family deductible can be met by any combination of family members. If one person in the family meets the single person deductible, that particular person s claims will then be paid at the allowed coinsurance level. The rest of the family deductible can be met by either one other person or a combination of the remaining family members; then, the plan will pay the allowed coinsurance on eligible claims incurred by the entire family. In any case, no one person will have to meet more than the single person deductible. What makes the Signature 90 Account Plan different from other health plans? As a consumer, you're accustomed to having control when you shop for services you need. Usually, you have a choice, so you find the best value for your money and needs. This plan allows you to choose the providers you want and your first eligible expenses are paid through your HRA. You have an opportunity to track your HRA dollars on line or with paper statements. If your HRA has a balance at the end of the year, that balance is carried over to increase your HRA for the next year to cover future medical expenses. Plus, helpful decision tools are available on this website to help you make appropriate provider and treatment selections and to stretch your health care dollars. What is an HRA? A health reimbursement account (HRA) is an account that your company has funded for you to pay for your first-dollar health care expenses. Your HRA is known as the Signature 90 Account. If you enroll in the Signature 90 Account plan with single coverage at the beginning of the year, your HRA will be funded with $500; if you enroll with family coverage at the beginning of the year, your HRA will be funded with $1,000. If I have family or employee + 1 coverage, will my HRA be split among all those covered under my plan? No. The money in the HRA will be used to pay the first eligible expenses that are submitted for any eligible person who you have covered under the plan. What happens to my HRA if I change my coverage during the year because of a family status change? If you have a family status change during the year and reduce your coverage from family or employee + 1 to single coverage, there will be no change to your HRA. If your family status change during the year causes you to increase your coverage from single to family or employee + 1, your HRA will increase. The amount of the HRA increase will be 1/12 of $500 for each month remaining in the year. When can I use the money from my HRA fund? You can start using it as soon as your enrollment in the plan becomes effective. Your HRA is used to pay for your covered medical expenses, as long as HRA funds are available.

6 What type of services will be paid with my HRA funds? Your HRA is used to pay the cost of covered services - including routine medical expenses like office visits, prescription drugs and lab tests. Check the Signature 90 Account Plan Benefit Summary on the Benefits page for information on covered services. Will my prescription drug expenses be paid from my HRA? Yes. If funds are available in your HRA, they will be used to pay for your prescription drugs costs. How do I find out what my HRA balance is? It's easy. Viewing My Plan on your personalized secure Member Home Page on Empire s website ( will show you how you can keep track of your HRA activity and balance, as well as get details on all of your medical claims. You will also receive Explanation of Benefits statements after each claim and Quarterly activity statements in the mail to track your HRA balance. If I don t enroll in the Signature 90 Account Plan next year, what happens to my HRA? Your HRA balance will carry over to the next year as long as you are actively enrolled in the plan. If you do not enroll in the Signature 90 Account Plan the next year, any remaining funds in your HRA will be forfeited. What services does the Signature 90 Account cover? The Signature 90 Account Plan covers a range of health care services, from routine checkups and prescription drugs to major surgery. Basically, the same services you would find covered by most health plans. Check the Signature 90 Account Benefit Plan Summary on the Benefits page to see the services covered by your Signature 90 Account Plan. Does the Signature 90 Account Plan cover prescription drugs? Yes. Your prescription drugs will first be paid from your HRA. If your HRA balance is zero, you will have to pay the cost of your prescriptions until you satisfy your Deductible amount. Once you have satisfied your deductible, you will pay coinsurance for your drug expenses based on the type of prescription (generic, preferred formulary, non-preferred formulary), up to the applicable maximum for that prescription, until you reach your out-of-pocket maximum. Once you reach your coinsurance maximum or out-of-pocket maximum, the plan will pay 100% of your prescription drug expenses. What does "Out-of-Pocket" expenses mean? Out-of-pocket expenses are those you pay yourself. Your deductible is an out-of-pocket expense. In addition, if the plan pays benefits on your eligible expenses, you'll also have to pay for a percentage of coverage, called coinsurance. These shared expenses are also an out-of-pocket expense. Some expenses, such as amounts over reasonable and customary or prescriptions that are not filled by an EHS/PharmaCare pharmacy or their mail order service, do not apply to your OOP maximum. What is the most I will pay out-of-pocket under the Signature 90 Account Plan? If you spend your health care dollars only on covered expenses and you go to health care providers that participate in the BlueCard PPO Network, your out-of-pocket expenses will not be more than the coinsurance maximum in the Health Coverage component of the plan, including the deductible. (The out-of-pocket limits depend on whether you have coverage for yourself, or for yourself and one or more dependents.) However, if you use out-of-network providers, any amount that you must pay because the charge exceeds the reasonable and customary limit does not apply to your deductible or out-of-pocket maximum. Your out-of-pocket costs may be higher if your HRA dollars are used to pay expenses on covered services from health care providers who do not participate in the BlueCard PPO Network. Please

7 refer to the Signature 90 Account Benefit Plan Summary on the Benefits page for more information on your annual out-of-pocket maximums. Does my family have to meet the entire family out-of-pocket maximum before claims are paid by the plan? No. This works similar to the deductible. The family out-of-pocket maximum can be met by any combination of family members. If one person in the family meets the single person out-of-pocket maximum, that particular person s eligible claims will then be paid at 100%, including prescriptions. The rest of the family out-of-pocket maximum can be met by either one other person or a combination of the remaining family members; then, the plan will pay 100% of the eligible claims incurred by the entire family, including prescriptions. What does "Reasonable and Customary" mean? Reasonable and Customary (or R&C) is the typical fee charged by doctors in the same geographic area for a given service or procedure. Think of it as the fair market price for a particular service. Most plans, including the Signature 90 Account Plan, reimburse up to the R&C amount only. If the R&C is $100, but your doctor charges $125, the full cost of the procedure ($125) will be paid from your HRA, if there is enough money available. However, only $100 will apply toward your deductible. R&C limits are applied only to out-of-network providers and those providers may bill you for the amount that exceeds the R&C limit. If you use in-network providers, you do not have to worry about R&C as these providers have agreed to reduce their charges according to their PPO contract. The Signature 80 Plan How does the Signature 80 plan work? With the Signature 80 plan, you can use either in-network or out-of-network providers. The plan has a deductible that must be met before benefits are paid the deductible is higher if you use an out-of-network provider. Also, the benefits are higher for claims from in-network providers than from out-of-network providers. What is a Deductible? Your deductible is the amount that you must spend before your health coverage begins. Some expenses, such as amounts over reasonable and customary or prescriptions that are not filled by an EHS/PharmaCare pharmacy or their mail order service, are not eligible to be applied to the deductible. The Deductible amount can be found on the Signature 80 Plan Benefit Summary on the Benefits page. What type of services are covered by the Signature 80 plan? The Signature 80 Plan covers a range of health care services, from routine checkups and prescription drugs to major surgery. Basically, the same services you would find covered by most health plans.check the Signature 80 Plan Benefit Summary on the Benefits page for information on covered services. How will my prescription drug expenses be paid? Until you meet your deductible, they will be treated like any other eligible medical expense the cost will be applied to your deductible. However, only prescriptions received from an EHS/PharmaCare retail pharmacist or mail order service apply to the deductible and are eligible for plan benefits. After your deductible has been met, you will pay coinsurance for your prescription expenses based on the type of prescription (generic, preferred formulary, or non-preferred formulary) up to the applicable maximum, until you meet your out-of-pocket maximum. Once you meet your coinsurance maximum or out-of-pocket maximum, the plan will pay 100% of your prescription

8 expenses. Check the Signature 80 Plan Benefit Summary on the Benefits page for more information. Are there any special rules that apply to maintenance-type prescriptions? Yes. Under the Signature 80 plan, you must use the EHS/PharmaCare mail order program for maintenance drugs after two fillings of the prescription at a retail pharmacy. If you have additional questions about this, please contact EHS/PharmaCare. What does "Out-of-Pocket" expenses mean? Out-of-pocket expenses are those you pay yourself. Your deductible is an out-of-pocket expense. In addition, if the plan pays benefits on your eligible expenses, you'll also have to pay for a percentage of coverage, called coinsurance. These shared expenses are also an out-of-pocket expense. Some expenses, such as amounts over reasonable and customary or prescriptions that are not filled by an EHS/PharmaCare pharmacy or their mail order service, do not apply to your OOP maximum. What is the most I will pay out-of-pocket under the Signature 80 Plan? If you spend your health care dollars only on covered expenses and you go to health care providers that participate in the BlueCard PPO Network, your out-of-pocket expenses will not be more than your coinsurance maximum in the Health Coverage component of the plan, including your deductible. (The out-of-pocket limits depend on whether you have coverage for yourself, or for yourself and one or more dependents.) However, if you use out-of-network providers, any amount that you must pay because the charge exceeds the reasonable and customary limit does not apply to your deductible or out-of-pocket maximum. Please refer to the Signature 80 Benefit Plan Summary on the Benefits page for more information on your annual out-of-pocket maximums. What does "Reasonable and Customary" mean? Reasonable and Customary (or R&C) is the typical fee charged by doctors in the same geographic area for a given service or procedure. Think of it as the fair market price for a particular service. Most plans, including the Signature 80 Plan, reimburse up to the R&C amount only. If the R&C is $100, but your doctor charges $125, only the $100 amount will apply to your deductible and/or out-of-pocket expense. R&C limits are applied only to out-of-network providers and those providers may bill you for the amount that exceeds the R&C limit. If you use in-network providers, you do not have to worry about R&C as these providers have agreed to reduce their charges according to their PPO contract. Using Your Signature Benefits Plan to Receive Care How do I know if my doctor participates in Empire BlueCross BlueShield's network? Empire BlueCross BlueShield has an extensive national provider network, through local BlueCross and/or BlueShield plans, consisting of 668,000 highly qualified physician and practitioner locations nationwide, as well as access to more than 5,700 participating hospitals nationwide. To find a list of doctors offering discounts to Empire BlueCross BlueShield customers, visit Empire s website ( and print out a directory, or call Empire at If my doctor isn't in the network, can I still use his or her services? You can visit any licensed doctor you choose and you won't need a referral to see a specialist. You may save money, though, when you visit a doctor who participates in Empire BlueCross BlueShield's network. Also, if you see a doctor who is not in Empire BlueCross BlueShield's

9 network, you may have to file a claim yourself and you may be billed for expenses above the reasonable and customary limit. What do I do when I need to see a doctor? When you enroll in the plan, you'll get an Empire BlueCross BlueShield ID card. Present your ID card when you visit your in-network doctor. The Signature Benefits plans allow you the flexibility to visit any licensed doctor you select, but the method of payment differs for doctors who are not in Empire BlueCross BlueShield's network. If you visit a doctor in-network, typically the doctor's staff will photocopy your ID card and submit a claim to Empire BlueCross BlueShield for payment. You don't need to do a thing. If your medical expense is a covered service, it will automatically be paid from your HRA if you have a balance. If you don t have an HRA or the balance of your HRA is zero, your doctor will bill you for the remaining discounted expense and you will need to pay these medical expenses until you have paid your entire Deductible amount. When the Plan begins to pay benefits, you will pay only the appropriate coinsurance for covered services, up to your coinsurance maximum. If you visit an out-of-network doctor, you will most likely be asked to pay at the time of your appointment. If so, you will need to send a claim to Empire BlueCross BlueShield for reimbursement. If you don t have an HRA or your HRA balance is zero, you will need to pay your medical expenses until you have paid your entire Deductible amount. When the Plan begins to pay benefits, you will pay only the appropriate out-of-network coinsurance for covered services, up to your coinsurance maximum. Keep in mind; you'll likely pay a higher rate with an out-ofnetwork doctor. Additionally, you'll be responsible for any charges from the doctor that are above reasonable and customary charges for the service in your region. What do I do when I need to get a prescription drug? When you enroll in the program, you'll receive an Empire BlueCross BlueShield card. Present your ID card when you visit your pharmacy. This will ensure you receive the discounted drug price. If you have enough funds remaining in your HRA, you'll pay nothing at the pharmacy. A claim will automatically be filed for you and the cost of your prescription will be paid from your HRA. If you do not have an HRA or your HRA balance is zero, you will need to pay for the expense until you have paid your entire Deductible amount. Once you have satisfied the deductible, you will pay only the appropriate coinsurance amount at the pharmacy. You also have the option of ordering your prescriptions by mail. The payment process works the same. The only difference is you must either send a check or provide a credit card number when submitting the mail service form. If you do not have an HRA or if your HRA balance is zero, your check will be deposited or your card will be charged. Does Empire BlueCross BlueShield require notification before receiving medical care or being hospitalized? Notification is not required to see a physician. However, you must notify Empire prior to hospitalization so they can coordinate care and offer you assistance. For a specific list of services that require precertification, please call the number printed on the back of your ID card. Do you provide quality information on doctors and hospitals? Empire BlueCross BlueShield offers the Hospital IQ tool to provide hospital quality information to help you choose a hospital. The information was provided directly by the hospitals on a voluntary basis. If I need to file a claim, how do I get reimbursed? In most cases, you won't need to file a claim if you visit a network provider. If you visit a nonnetwork provider, you may have to file a claim, depending on the provider's policy. If you do need to submit a claim, you will need to send a claim to Empire BlueCross BlueShield for reimbursement. See the back of your ID card for specific claim filing instructions.

10 Can I visit any doctor or hospital while traveling? Yes. You may see any licensed doctor or use any hospital. Remember that Empire BlueCross BlueShield has an extensive national provider network, through local BlueCross and/or BlueShield plans, consisting of 668,000 highly qualified physician and practitioner locations nationwide, as well as access to more than 5,700 participating hospitals nationwide. To find a list of doctors offering discounts to Empire BlueCross BlueShield customers, visit Empire s website ( and print out a directory, or call Empire at Your Privacy Is the Empire BlueCross BlueShield web site secure? Yes. The members-only Web site is password-protected and secure. In addition, all of your personal data is encrypted using 128-bit encryption, which is currently the highest level available. What is Empire BlueCross BlueShield s privacy policy? You can read Empire BlueCross BlueSheild s privacy policy anytime by selecting the privacy link appearing at the bottom of the Web site. Why can t I see my spouse s claims or other information? Due to laws that govern a privacy, you do not have access to claims information for anyone age 18 or over who is covered as your dependent. These dependents should register and set up their own login password through Empire s website ( Getting Help Who can I contact if I have questions about the Signature 90 Account Plan or the Signature 80 Plan? For questions related to benefits or claims submissions, please call the toll-free Customer Service number listed on the back of your ID card ( ). Eligible members can manage their benefits 24/7 through Member Online Services, a secure and personalized website. After I enroll, whom should I call if I have a problem with the program or a doctor - or with getting reimbursed? You can log in to the Web site to answer a lot of your questions - such as "What is my HRA balance?" (if you are in the Signature 90 Account Plan) or "What is the status of a claim?" You can also call the toll-free Customer Service number listed on the back of your ID card ( ). When will I get my ID card? If you enroll during the annual open enrollment period, you and your family members should receive your Empire BlueCross BlueShield ID card(s) no later than your effective date of coverage. Administrative services provided by Empire HealthChoice Assurance, Inc., a licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans, serving residents and businesses in the 28 eastern and southeastern counties of New York State.

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