Premium Payments (Non-Medicare)
All premium payments are your responsibility and are to be paid directly to the insurance carrier. Via Benefits Insurance Services doesn't pay your premium. Your payment due date varies based on the insurance carrier and plan type. Below are some general guidelines to help you know what to expect.
Individual and Family Plans
You must pay your monthly premium, in full, directly to your insurance carrier by the due date, even if you get a policy through the health insurance marketplace.
Most policy applications require the first month’s payment at the time of your application; this is called a "binder" payment. Be sure you make the binder payment before the effective date of the plan.
VSP Plans
VSP usually requires the first month's premium payment at the time of your application. If you didn't pay the first month's premium at the time of your application, then you're sent a bill before your coverage effective date.
Dental Plans
Dental plans usually require the first month's premium payment at the time of your application. If you didn't pay the first month's premium at the time of your application, then you're sent a bill before your coverage effective date.
Missed Monthly Premium Payments
The insurance carrier contacts you if you miss your monthly premium payment. You usually have a short grace period to get caught up on your payments before your insurance carrier cancels your coverage.
Additional Questions
If you have any additional questions regarding your bill's expected arrival, contact your insurance carrier. The carrier's contact information is generally on the back of your Insurance ID card.
Paying Your Premium
After submitting your application to Via Benefits, you need to contact your insurance carrier for information about your premium or to change your payment method.
Automatic Premium Payment Methods
Direct debit, Automatic Clearing House (ACH), and electronic funds transfer (EFT) are methods used to automatically pay your premiums from a checking or savings account. Contact your insurance carrier directly to set up automatic payment of your premiums. The carrier's contact information is usually on the back of your Insurance ID card. Via Benefits doesn't offer Automatic Premium Reimbursement for non-Medicare health plans.
Updating Your Premium Payment Information
Your insurance carrier processes your premium payments. Contact your insurance carrier if you need to change any of your payment information after submitting your application.
1. Before calling the carrier, gather your current payment information, including account number, routing number, or credit card information.
2. Call the carrier at the phone number on the back of your Insurance ID card.
3. Tell the carrier's representative that you would like to update the method of payment for your premiums.
If you can’t find the phone number for your insurance carrier, call us, and we can assist you with contacting them.
Paperless Billing
Many insurance carriers offer paperless billing, which eliminates the paper bill you receive in the mail and replaces it with an electronic version via email. In addition to reducing paper waste and clutter, paperless billing allows you to access your bill anywhere an Internet connection is available. Call your insurance carrier directly to determine whether this feature is available for your plan. The insurance carrier's contact information is generally on the back of your Insurance ID card.
Your Premium Bill
If you haven't received your premium bill, contact your insurance carrier or Via Benefits as described below:
1. Contact your insurance carrier for assistance if you have received other correspondence from your carrier, and it's been more than 21 days since you submitted your application.
2. Otherwise, contact Via Benefits, and a representative can help you call your insurance carrier.
