Blue Cross Blue Shield of Michigan FAQ

Here are some answers to questions that are frequently asked about the Experian IdentityWorks^SM services available to eligible* Blue Cross Blue Shield of Michigan and Blue Care Network members.

Overview

Blue Cross Blue Shield of Michigan and Blue Care Network are committed to you. That’s why we’re offering all eligible* members and their dependents identity protection services through Experian. These services are available to you as long as you remain eligible and you won’t be charged.

Eligible members have the following services available to them:

Experian IdentityWorks^SM Identity Restoration: This service is automatically available to you with no enrollment required. If a problem arises, simply call 1-877-736-4495 and an Experian Identity Restoration Agent will help restore your credit and make sure your identity is returned to its proper condition. Be prepared to provide engagement number B098897 as proof of eligibility.
Experian IdentityWorks^SM Fraud Detection: While Identity Restoration is immediately available to you, we also encourage you to activate the fraud detection tools available through Experian IdentityWorks^SM. This product provides you with superior identity detection, including:
- Experian credit report at signup: See what information is associated with your credit file*.
- Credit Monitoring: Actively monitors your Experian credit file for indicators of identity theft.
- Internet Surveillance: Technology searches the web, chat rooms & bulletin boards 24/7 to identify trading or selling of your personal information on the Dark Web.
- Identity Restoration: Identity Restoration Specialists are immediately available to help you address credit and non-credit related identity theft.
- Up to $1 Million Identity Theft Insurance**: Provides coverage for certain costs and unauthorized electronic fund transfers.
- Lost Wallet: Assistance with canceling/replacing lost or stolen credit, debit, and medical cards.
- Child Monitoring: For up to 10 children up to 18 years old, Internet Surveillance and monitoring to determine whether enrolled minors in your household have an Experian credit file are available. Also included are Identity Restoration and up to $1M Identity Theft Insurance**.
- Experian IdentityWorks^SM ExtendCARE™: You receive the same high-level of Identity Restoration support even after your Experian IdentityWorks^SM membership has expired.

*Eligibility

Am I eligible for these services?

You and your dependents are eligible for these services if you have Blue Cross Blue Shield of Michigan, Blue Care Network or MyBlue Medigap as your primary coverage.

Who’s not eligible for these new services?

You’re not eligible if Medicare Advantage is your primary coverage or if you’re enrolled only in a stand-alone plan, such as dental, vision, life or long-term care coverage.

Why are Medicare Advantage and Federal Employee Program members not eligible?

These plans are not eligible due to federal regulations.

Why are dental, vision, life insurance or long-term care coverage not eligible?

To be eligible, you must have Blue Cross, BCN medical coverage or MyBlue Medigap medical coverage.

I have Medigap coverage. Am I eligible?

Not all Medigap plans are eligible; the current eligible plan is MyBlue Medigap.

About Experian

Who Is Experian?

Experian provides products and services that help protect people and their personal information from threats related to identity theft.

Why are identity protection services being provided?

Blue Cross Blue Shield of Michigan and Blue Care Network want to protect your health and your identity. That’s why we’re offering all eligible members identity protection services through Experian.

Is it safe to share my information with Experian?

Experian takes steps to keep your information safe. All information you provide — including passwords— is stored securely.

Will Experian sell or share my personal information with third parties?

No. Experian IdentityWorks^SM takes your privacy very seriously. They do not sell, rent or share your personal information with any third party for marketing purposes. See their Privacy Policy to learn more at https://www.experianidworks.com/privacy/.

Experian Identityworks^SM Services

What is Experian Identity Works?

This service includes an Experian credit report at signup, credit monitoring, internet surveillance, identity restoration, identity theft insurance and child monitoring for minors.

Do I need to sign up for Experian IdentityWorks^SM services?

Yes. You must enroll in order to take advantage of any of these services. If you’re interested in signing up, go to experianidworks.com/bcbsm. This is a secure website. When enrolling, you’ll need to provide your name, contact information, Social Security number and the promo code: MICHIGANPROTECTS. You can also sign up by calling 1-877-736-4495 Monday through Friday from 9 a.m. to 11 p.m. Eastern Time, or Saturday and Sunday from 11 a.m. to 8 p.m. Eastern Time. When calling Experian, be prepared to provide the engagement number B098897.

Do I need to sign up annually?

Each adult who enrolls in Experian IdentityWorks^SM will receive a renewal email from Experian at the end of each year. They’ll ask you to verify that you are still an eligible Blue Cross Blue Shield of Michigan or Blue Care Network member so you can keep your Experian Identity Works services active.

How does Experian monitor credit?

Experian looks at your credit activity and sends alerts when banks and creditors use your identity to open new accounts.

How does Experian Internet Surveillance work?

Technology searches the web, chat rooms & bulletin boards 24/7 to identify trading or selling of your personal information on the Dark Web.

What is the identity theft insurance policy, and how does it work?

Identity theft insurance is a zero-deductible policy included in the Experian Identity Works service. It provides coverage for certain costs and unauthorized electronic fund transfers associated with identity theft. The summary of benefits can be found at https://www.experianidworks.com/summary-of-benefits-june-2019.

What services are being offered to protect my child’s identity?

Any eligible dependent on your Blue Cross or BCN medical plan younger than 18 is covered by Child Monitoring if you enroll them in Experian IdentityWorks^SM. For up to 10 children up to 18 years old, Internet Surveillance and monitoring to determine whether enrolled minors in your household have an Experian credit file are available. Also included are Identity Restoration and up to $1M Identity Theft Insurance.

When and how will I get alerts?

If you provide an email address upon enrollment, alerts will be sent to you via email anytime new activity is detected on your account. If you don’t have access to email, you can also receive your alerts by mail.

Does Experian monitor my existing bank accounts for fraudulent activity?

No, Experian doesn’t monitor daily activity of your bank or credit card accounts. You can monitor your bank accounts by setting up account alerts, which are provided, free of charge to customers by most banks and credit unions. Experian can assist eligible individuals in setting up these alerts for your credit card and bank accounts. It’s also recommended to review your monthly statements for unusual activity.

What do I do if I suspect insurance coverage or medical fraud?

If you believe someone has stolen your health care coverage, or you notice suspicious activity on your explanation of benefits, call Blue Cross Blue Shield of Michigan’s Anti-Fraud Hotline at 1-800-482-3787.

Who will Experian communicate with about these services?

You and any adult dependents on your plan who enroll in the Experian IdentityWorks^SM service will receive a renewal email from Experian at the end of each year. If you and your dependents are still eligible for the services, you’ll need to verify your eligibility so they can extend your services for the following year. Experian will not email or call your dependents younger than 18 — you will need to verify their eligibility for them.

Will I be charged for these services?

As an eligible Blue Cross Blue Shield of Michigan or Blue Care Network member, you won’t be charged. The Experian IdentityWorks^SM services are available to you and your dependents as long as you remain eligible.

Information about enrolling

Can I use the promo code to enroll my family members, too?

Yes, you can use the code to enroll yourself and any eligible family members.

Why isn’t the promo code working?

If you have trouble with your code, please:

1. Check that you have typed the right web address into your browser.
2. Make sure you’ve typed in the promo code exactly as it appears in your email notice. Copy and paste the code into the redemption box to reduce the chance of an error.
3. If your code still isn’t working, call Experian at 1-877-736-4495 and provide the engagement number B098897.

Do I need to provide my personal information or Social Security number to Experian?

You only need to provide Experian with personal information if you enroll in the IdentityWorks^SM service or if it’s needed by Experian to help you with an identity restoration service. This personal information allows Experian to monitor, investigate or repair your identity.

I’m hearing impaired. How do I talk to someone?

Toll-free services for the hearing impaired are available 24 hours a day, 365 days a year by using a telecommunications relay service (also known as TRS). The relay service will take text messages from the caller, relay them to an Experian representative and send the information back to the caller through the TTY service. Remember that Experian’s service support hours are Monday through Friday from 9 a.m. to 11 p.m. Eastern time, or Saturday and Sunday from 11 a.m. to 8 p.m. Eastern Time.