If you were insured by Blue Cross Blue Shield (BCBS) between 2008 and 2020, you may be entitled to a portion of the $2.67 billion class action settlement. This massive legal settlement stems from a lawsuit that accused BCBS companies of engaging in anti-competitive practices, which allegedly led to higher premiums and reduced competition in the health insurance market.
Whether you’re a current or former policyholder, an employer who provided BCBS insurance, or an HR professional assisting others with claims, this guide will walk you through the eligibility, claim process, payout estimates, deadlines, and official links to ensure you don’t miss out.
BCBS Class Action Settlement
| Topic | Details |
|---|---|
| Settlement Amount | $2.67 billion |
| Eligible Period | February 7, 2008 – October 16, 2020 |
| Who Can Claim | Individuals, employees, and employers who purchased BCBS insurance or were covered during the eligible period |
| Deadline to File a Claim | Passed (November 5, 2021), but updates and late claim reviews may occur |
| Estimated Payment Range | Varies depending on premiums paid and group size |
| Settlement Administrator Website | www.bcbssettlement.com |
| Claim Status Check | Available on the official website |
| Purpose of Lawsuit | Addressing anti-competitive conduct in health insurance markets |
| Payouts Started | December 2023 (ongoing as of 2025) |
| Next Steps | Check claim status or update details via the official portal |
The $2.67 billion BCBS class action settlement offers a rare chance for individuals and businesses to get compensated for overcharges in health insurance. While the claim deadline has passed, those who filed should track their payout and update payment details to ensure they receive what they’re owed. This settlement also sends a clear message about transparency and fair competition in the healthcare industry.
Understanding the BCBS Class Action Lawsuit
What Was the Lawsuit About?
The class action lawsuit, originally filed in 2012, accused Blue Cross Blue Shield Association (BCBSA) and its 34 member companies of conspiring to avoid competing with each other in certain markets. This resulted in limited options and inflated premium costs for consumers and businesses.
In 2020, the parties agreed to a historic $2.67 billion settlement, one of the largest in U.S. antitrust history, to resolve the claims without admitting fault.
Who Is Eligible for the BCBS Settlement?
You are eligible to receive money from the settlement if:
- You were covered under any BCBS health insurance plan between February 7, 2008 and October 16, 2020.
- You were:
- An individual policyholder (direct-pay policy),
- A subscriber through your employer, or
- An employer who paid for group BCBS insurance.
Examples of Eligible Participants:
- A small business owner who offered BCBS plans to employees in 2015.
- A retiree who had an individual BCBS policy from 2009–2011.
- An employee whose company provided BCBS insurance in 2018.
Who’s Not Eligible?
- Those whose insurance was not under BCBS companies.
- Federal employees under Federal Employee Program (excluded).
- Members of certain government health plans may also be excluded.
How Much Money Can You Get?
There is no fixed amount for every claimant. Payments depend on:
- How much was paid in premiums during the eligible period.
- Whether you were part of a group policy or an individual subscriber.
- How many people filed valid claims.
According to the Settlement Website, estimates show payouts can range from a few dollars to several thousand, depending on how much you paid in total premiums.
For example:
| Premiums Paid | Estimated Payout |
|---|---|
| $1,000 | ~$10–$15 |
| $10,000 | ~$100–$150 |
| $100,000+ (for small employers) | Could exceed $1,000 |
Claim Process: How to Claim Your Share
While the claim deadline passed on November 5, 2021, here’s what to know if you already filed or think you’re eligible:
Step 1: Visit the Official Website
Go to www.bcbssettlement.com. This is the only authorized portal for all settlement-related updates.
Step 2: Check Your Claim Status
Click on the “Check My Claim Status” section. You’ll need your:
- Unique ID (sent via email or letter)
- Email address or name used when you filed
If you didn’t file but believe you should have been included, you can still contact the Settlement Administrator to inquire if late claims are being reviewed.
Step 3: Review Payment Method
Payouts started in late 2023 and are ongoing in 2024 and 2025. You may receive your money via:
- Direct deposit
- Check by mail
- Prepaid card, if you opted for it
Make sure to update your contact details to avoid missing your payment.
Step 4: Contact for Help
If you have questions or issues, reach out to the official administrator:
Phone: 1-888-681-1142
Email: [email protected]
Official Contact Page: https://www.bcbssettlement.com/contact-us
Timeline of the BCBS Settlement
| Event | Date |
|---|---|
| Class action filed | 2012 |
| Settlement reached | October 2020 |
| Final approval granted | August 2022 |
| Claim filing deadline | November 5, 2021 |
| Payouts begin | December 2023 |
| Payouts ongoing | Through 2025 |
Why This Settlement Matters
This isn’t just about a check in the mail. The BCBS settlement:
- Holds insurers accountable for anti-competitive behavior.
- Protects future policyholders by enforcing changes to how BCBS operates.
- Sets a legal precedent on how healthcare markets should compete.
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Frequently Asked Questions (FAQs)
1. I missed the claim deadline — can I still get paid?
Generally, no, unless you are part of a special late review process. However, you can still contact the administrator to inquire.
2. Is this money taxable?
It depends. According to IRS guidelines, class action settlements may be taxable if they represent compensation for lost wages. Consult a tax advisor for your specific case.
3. What if I changed my bank or mailing address?
Visit the claim update page to revise your contact or payment info.
4. What if I lost my claim number or don’t remember filing?
Use your email address to recover your claim, or contact the administrator directly.
5. Are all BCBS companies included?
Yes, all 34 member companies were part of the class action, including Anthem, Blue Shield of California, Horizon BCBS, and others.
