If you received an email about the Blue Cross Blue Shield (BCBS) settlement, you may be wondering if it’s a scam or if the payout is real. With settlement amounts totaling $2.67 billion, many people are understandably questioning the process and if they’ll actually get paid.
This massive settlement stems from a class action lawsuit alleging that BCBS companies improperly limited competition in health insurance markets, potentially leading to higher premiums for millions of customers. While BCBS denied any wrongdoing, they agreed to the multi-billion dollar settlement to avoid further legal costs.
Now that the deadline to file claims passed on November 5, 2021, settlement emails are finally going out to notify recipients of their expected payout amounts. But after years of waiting, claimants still have lots of questions.
In this article, we’ll break down everything you need to know about the legitimacy of BCBS settlement emails, what actions to take, common claimant concerns, and what to expect for payouts.

Overview of the BCBS Settlement
To understand the settlement emails, it helps to first look at the background of the BCBS class action lawsuit and settlement approval process.
The lawsuit alleged that BCBS companies violated antitrust laws by dividing up geographic markets and limiting competition in health insurance. This may have resulted in higher premiums for BCBS members across the United States.
While BCBS denied any wrongdoing, they agreed to settle in 2020 for $2.67 billion. This settlement fund would be distributed among class members, encompassing any individual or business with BCBS health insurance from 2008 to 2020.
The deadline to file claims to receive a portion of the fund was November 5, 2021. After that, the settlement still needed final court approval before funds could be distributed.
After multiple appeals, the settlement was ultimately finalized on June 24, 2024. Now, the claims administrator can start determining payout calculations and sending notices to class members.
Breaking Down the Settlement Emails
The official settlement website is www.BCBSsettlement.com. Any emails sent regarding the settlement payout should come from an address ending in @BCBSsettlement.com.
The emails ask recipients to confirm or dispute the total premium amounts and administrative fees used to calculate their distribution payment. These numbers are based on what BCBS has on record.
Here’s what the email contains:
- Case ID number
- Total premiums paid to BCBS during the class period
- Total administrative fees paid for ASO plans (typically by employers with self-insured plans)
- A button to “Accept” or “Dispute” the amounts
- Instructions for providing documentation if disputing the totals
- Options to choose payment by check or electronic debit card
Recipients typically have 30 days to review the email and confirm or dispute the details. This short response window has caused stress for some claimants.
Actions to Take If You Receive a Settlement Email
If you get a BCBS settlement email, here are the key actions to take:
Carefully review the premium and/or administrative fee totals. Make sure the amounts accurately reflect your records during the 2008-2020 class period. Obtain copies of old insurance statements or premium invoices if needed to verify totals.
Dispute any discrepancies. If your records show different premium amounts paid to BCBS, you must formally dispute and provide documentation. This includes submitting items like pay stubs, tax records, payroll records, or BCBS statements.
Decide on check vs. debit card. You can get your funds quicker with an electronic debit card, or take the slower but safer route of a paper check. Debit cards cannot be deposited into bank accounts.
Respond within 30 days. Don’t let the short response window lapse. Submit any disputes and payment method selection within 30 days to ensure your claim is processed accurately.
Follow up if needed. Reach out to the claims administrator at info@BCBSsettlement.com if you have any other questions or concerns about your claim status after responding to the email.
Common Questions and Concerns from Claimants
For many recipients, the BCBS settlement emails spark more questions than answers. Here are some of the most common pain points that claimants report:
Settlement emails tagged as spam. Check your spam folder. High volumes of emails blasting out often get mistakenly flagged as spam.
No instructions if disputing ASO amounts. The emails focus on disputing premium totals only. For assistance on administrative fees for self-insured plans, claimants must reach out to the claims administrator for help.
All claims show as “under review.” The review status simply means the claims administrator is still processing payments. It does not mean your claim is rejected or denied.
**Confusion on 0ASOamounts.∗∗A0 ASO amounts.** A 0ASOamounts.∗∗A0 ASO amount is normal for people who paid regular premiums. ASO relates to self-insured employers only.
No timeframe for payments. The claims administrator is working on a rolling basis. They cannot provide exact dates for individual payment processing or mailing checks.
No straightforward way to contact support. Claimants report slow responses when reaching out to the claims admin team by email for questions. Clearer contact options would help.
Tax impact on settlement payments. The settlement website confirms payments are taxable if your premiums were paid pre-tax. Post-tax premiums likely won’t be taxed. Consult a tax professional to be sure.
When will payments actually arrive? There is no firm timeline, but payments are expected to start reaching claimants in 2025 based on the rolling review process. Claims without disputes will likely be processed first.
Estimated Payout Amounts from the Settlement
One of the biggest questions claimants have is how much they will actually receive from the settlement. Unfortunately, it is not a direct refund of all your premium dollars.
Settlement payment calculations are determined on a pro rata basis, factoring in total premiums and fees paid and the number of valid claims made against the $2.67 billion fund.
While individual payment amounts vary widely, here are some estimates based on limited data currently available:
- Most individual consumers can expect between 200−200 – 200−300
- Small businesses may see up to several thousand dollars
- Larger employers could get payments as high as six figures depending on their ASO fees paid
- On the lower end, some individuals report offers of 30−30 – 30−60
These are rough estimates only. Because each claimant’s share depends on the total pool of claims, the final amounts are still undetermined at this time.
Payments currently being offered to claimants are well below their actual premiums paid over the years. But keep in mind the $2.67 billion settlement fund needs to be distributed across millions of class members throughout the U.S, so there simply isn’t enough money to reimburse claimants 100% of their BCBS premium costs.
Beware of BCBS Settlement Scams
While the official BCBS settlement emails and website are legitimate, the high profile of this case has also attracted scammers seeking to take advantage.
Here are some red flags to watch out for:
- Emails from non-official addresses – Any BCBS settlement emails should come from an address ending in @BCBSsettlement.com. Other senders are likely fraudulent.
- Requests for personal information – Real administrators won’t ask for sensitive data like your SSN or bank account numbers. Never provide this info.
- Upfront fees – You should never have to pay anything upfront to claim your settlement funds. Fees only come out at time of payment.
- Calls requesting payment – Scammers may call claiming you need to pay a fee before receiving your funds. Never make any payments over the phone.
- Lookalike websites – Fake settlement websites with slightly different URLs or branding may appear to harvest your personal data. Ensure the domain is correct.
Protect yourself by going directly to the official BCBS settlement website, double checking email senders, and contacting the claims administrator with any concerns. Never pay any fees or provide personal details to anyone reaching out to you about the settlement.
Being vigilant against potential scams will help ensure you safely receive your share of the real BCBS settlement funds. Report any suspicious contact attempts to the class administrator and the FTC.
The Bottom Line: BCBS Settlement Emails are Legitimate
Based on all available information, the BCBS settlement emails being sent to claimants are legitimate and official.
While the process has been slow and frustrating for many waiting years to receive their payments, the settlement administrators are working to process claims on a rolling basis now that the appeals are finalized.
If you paid BCBS premiums anytime from 2008-2020 and filed a claim before the deadline, you should get an email notification within the next year about your potential payout amount and settlement payment options.
Just be vigilant in reviewing the premium and ASO fee totals listed, disputing any inaccuracies, and responding within the required timeframe. If you have any other questions, don’t hesitate to reach out to the claims administrator directly for assistance.
With $2.67 billion slated for distribution, the BCBS settlement is real. Claimants simply need to hang tight a bit longer to receive their long-awaited payments.