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CHI St. Vincent/CommonSpirit Health opts out of Octave Blue Cross networks

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Member rights

As a member, you’re entitled to important rights—and you also play an essential role in protecting your coverage and your health information. We have key resources that help you understand your rights, responsibilities and protections, including privacy notices, appeals, surprise billing protections, fraud prevention and more. 

  • Member rights and responsibilities

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

  • PDFSurprise 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. 

  • Summary of benefits and coverage

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

  • Report fraud and abuse

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

  • File an appeal

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

  • Avoid phone scams

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

  • 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.   

  • PDFCMS Privacy Notice Statement

    Review our privacy notice statement regarding your Personally Identifiable Information (PII). 

  • Claims payment policies and other information

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