Where and how to send your Anthem payment

Anthem accepts payments through several channels: online through your member account, by phone, by mail, or in person at an Anthem office. The fastest and most common method is online — you log into your Anthem account, navigate to the billing section, and pay immediately with a bank account or debit card. Phone payments go through Anthem's customer service line, where a representative processes your payment over the phone using the same payment methods.

If you prefer mail, send a check or money order to the address printed on your bill or statement. Include your member ID number on the check itself. Mail payments typically take 7 to 10 business days to process, so send them early if your due date is approaching. Some Anthem offices accept walk-in payments during business hours, though this varies by location — call ahead to confirm.

Do not send cash through the mail. If you have questions about where to send a payment or which method works best for your situation, the phone number for your specific Anthem plan appears on your bill and your member card.

Key Takeaways

  • Online payment through your Anthem member account is the fastest option and processes immediately.
  • Phone payments are available through Anthem customer service using your bank account or debit card.
  • Mail payments require 7 to 10 business days to reach Anthem and post to your account, so send them well before your due date.
  • Your member ID number must be included with any payment so Anthem can match it to your account.
  • The payment address and phone number for your specific plan appear on your monthly bill and member card.

Setting up automatic payments

Anthem allows you to set up automatic monthly payments from your bank account through your online member account. This prevents missed payments and removes the need to remember your due date each month. To set this up, log in to your account, find the billing or payment settings section, and enter your bank routing number and account number.

You can change or cancel automatic payments at any time through the same section. If your payment amount changes — for example, if your employer contribution changes or you move to a different plan — you may need to update your automatic payment amount manually. Anthem will notify you of any changes to your bill before they take effect.

What happens if your payment is late

Anthem typically allows a grace period of 30 days after your due date before your coverage is terminated. During this grace period, your coverage remains active, but you owe the overdue amount. If you do not pay within 30 days, Anthem will cancel your policy, and you will lose coverage.

If you miss a payment, contact Anthem as soon as possible. Explain your situation and ask about payment arrangements or extensions. Some plans or circumstances may allow Anthem to work with you on timing. Once your account is current, your coverage will continue without interruption. If your coverage has already been cancelled, you will need to reapply and may face a waiting period before coverage begins again.

Payment methods and what information you need

For online and phone payments, you will need your member ID number and either a bank account (routing and account number) or a debit card (card number, expiration date, and CVV). For mail payments, write your member ID on the check or money order and include any payment stub that came with your bill.

Anthem does not charge a fee for standard payments made online, by phone, or by mail. Some third-party payment processors may charge a convenience fee if you use their service, so check before you proceed. If you are unsure whether a fee applies, call the number on your bill and ask before making the payment.

Splitting payments or paying a partial amount

If you cannot pay your full bill at once, contact Anthem directly to discuss your options. Some plans or situations may allow you to make partial payments or set up a payment plan. Anthem customer service can tell you whether this is possible for your specific account and what steps to take.

Partial payments do not stop the clock on your grace period — you still have 30 days from your due date before coverage ends. Making a partial payment shows good faith and may give you more time to arrange the full amount, but it does not extend the grace period itself. Always confirm the terms with Anthem before relying on a partial payment arrangement.

Confirming your payment went through

After you make a payment online or by phone, you should receive a confirmation number immediately. Save this number for your records. You can also log into your Anthem account within 24 hours to verify that the payment has posted to your account and your balance has been updated.

If you paid by mail, allow 7 to 10 business days for the payment to arrive and post. If more than 10 business days have passed and your account still shows the payment as unpaid, call Anthem with your check number or money order number and the date you mailed it. They can trace the payment and update your account if needed.

Frequently Asked Questions

Can I pay my Anthem bill with a credit card?

Anthem's online and phone payment systems accept debit cards and bank account transfers, but not credit cards directly. If you want to use a credit card, you may be able to pay through a third-party payment processor, though this typically involves a convenience fee. Check your bill or call Anthem to see what options are available for your plan.

What if I overpay my Anthem bill?

If you send more than you owe, Anthem will credit the overage to your next month's bill or refund it to you. Contact Anthem to request a refund if you prefer not to carry a credit balance on your account. Refunds typically take 7 to 10 business days to appear in your bank account.

Do I have to pay my Anthem bill every month?

Yes, unless your coverage is paid entirely by your employer or another third party. Even if your employer contributes to your premium, you are responsible for paying your portion each month by the due date. If you are unsure whether you owe a payment, check your bill or log into your member account.

What if I lose my job and cannot pay my Anthem bill?

Contact Anthem immediately to discuss your situation. You may be able to continue coverage through COBRA (if your employer had 20 or more employees) or through your state's marketplace. Anthem can also tell you about other plans that might cost less. Do not wait until your coverage is cancelled — call as soon as you know your employment has changed.

Can I pay someone else's Anthem bill for them?

Yes, but you will need the member ID number and the account holder's permission. You can make a payment online or by phone using your own payment method, or you can send a check to the address on their bill. Make sure the member ID is clearly written so the payment posts to the correct account.