As of October 1, 2022, BMW Northwest has transitioned to a self-funded health plan. While BMW Northwest is the ultimate payer, the Plan is facilitated by the Third Party Administrator, Coastal Administrative Systems. This is an open-access plan type, similar to an indemnity plan, giving the members the freedom to visit any provider they choose without reduced benefits for out-of-network providers.
How does this work?
The process is actually very simple. As a provider, you treat the patient and collect any applicable co-pay at the time of service. Medical claims are then submitted to Coastal Administrative Systems and repriced by 6 Degrees Health.
Claims may be submitted to Coastal Administrative Systems electronically, with the Payer ID: 34080
Claims unable to be submitted electronically can be mailed to:
Coastal Administrative Systems
PO Box 3070
Bellingham, WA 98227
How will providers be reimbursed?
Facility providers will be reimbursed at the Allowable Charge, as described below.
“Allowable Charge” for a treatment, supply or other services rendered is determined by the Plan, at the Plan’s discretion, by determining the amount established by a negotiated arrangement if one exists, or the lesser of:
- Specified Benefit Amount;
- Gross billed charge made by the provider;
- Usual, Customary and Reasonable payment for the same treatment, service, or supply;
- Prevailing fee charged in an area large enough to obtain a representative cross-section of providers rendering such treatment, supply or services for which the charge is made by Providers of similar skill and experience.
For Covered Charges rendered by a Physician or other professional provider in a geographic area where applicable law dictates the maximum amount that can be billed by the rendering provider, the Allowable Charge shall mean the amount established by applicable law for that Covered Charge.
The Allowable Charges shall not include:
- Charges for any items billed separately that are customarily included in a global billing procedure code in accordance with American Medical Association’s CPT® (Current Procedural Terminology) and/or the Healthcare Common Procedure Coding System (HCPCS) codes used by CMS;
- Charges for billing errors including, but not limited to, upcoding, duplicate charges, and charges for services not performed;
- Charges relating to clearly identifiable errors in medical care;
- Charges the Plan cannot identify or understand the item(s) being billed; or,
- Charges identified based upon a medical record review and audit, which determines that a different treatment or different quantity of a drug or supply was provided.
Nothing in this section shall be construed to limit the Plan’s discretion to deem a greater amount payable than the lesser of any of the above-referenced amounts. Furthermore, the Plan is not obligated to consider all factors. In the event that the Plan determines that insufficient information is available to identify the Allowable Charge for a specific service or supply using the listed guidelines above, the Plan reserves the right, in its sole discretion, to determine any Allowable Charge amount for certain conditions, services and supplies using accepted industry-standard documentation, applied without discrimination to any Covered Person.
Specified Benefit Amount
“Specified Benefit Amount” means the charges for services and supplies, listed and included as Covered Charges under the Plan, which are Medically Necessary for the care and treatment of Illness or Injury, but only to the extent that such fees do not exceed the Specified Benefit Amount. The determination that a charge does not exceed the Specified Benefit Amount include, but are not limited to, the following guidelines:
· 1.5 times the Medicare Allowed Amount for a Hospital facility, facility which is owned and operated by a Hospital, or an Ambulatory Surgery Centers;
· 1.2 times the Medicare Allowed Amount for Physician and other eligible providers;
· 100% of the Organ Procurement Organization’s invoice cost; and
· 100% of the National Marrow Donor Program’s invoice cost.
Under the Plan, the “Medicare Allowed Amount” shall not include an adjustment for Disproportionate Share Hospitals or outpatient outlier adjustments. If the Plan cannot determine the Medicare reimbursement for like or similar services because the medical claim form (UB04 or HCFA1500) does not contain all the necessary information, then the Plan shall make a reasonable estimation based on available industry data of the missing information to accommodate prompt payment to the billing provider.
If the Plan makes a reasonable estimation of missing information, then the Provider may resubmit a corrected claim with the information required to calculate the Medicare reimbursement. If the Provider submits a corrected claim, then the Plan Sponsor may recalculate the Specified Benefit Amount to adjust payment to the Provider to reflect the information on the corrected claim.
If you have questions regarding the plan benefit, or want an estimate of the expected reimbursement, you can call 6 Degrees Health Provider Services at (888) 615-6398.
The content of this website is meant to provide general information on plan benefits and terms. The Summary Plan Document used by the Plan is the definitive statement of Plan terms and benefits. If there is a conflict between the information contained on this website and the contents of the Summary Plan Document, the Summary Plan Document controls. None of the content on this website should be construed as a guarantee of benefits.