A simpler way to navigate your health benefits

Starting Oct. 1, 2025, when you need help navigating your health benefits, you’ll reach out directly to your health benefits administrator — BlueCross BlueShield or UMR, depending on your state of residence.

Not sure who your medical carrier is? Check out this map to find out.

If you’re enrolled in the Core, Standard, Plus, High Cost Coverage, PPO 80 or PPO 90 medical option, you’ll use the new care advisor phone number on the back of your new medical ID card.

Eligibility

Team members, spouses, domestic partners and dependents enrolled in the Core, Standard, Plus, High Cost Coverage, PPO 80 and PPO 90 medical options  will now work directly with their health benefits administrator.

Note: If you’re enrolled in DFW ConnectedCare or an HMO, you’ll continue to contact your current support center

There when you need help

Your care advisor can help you manage your health, navigate the health care system and make the most of all the programs and resources American offers.

With your Care Advisor, you’ll receive personalized help with:

  • Finding a provider
  • Understanding covered services
  • Supporting a new diagnosis
  • Managing chronic conditions
  • Handling claim payment questions

What to expect

YOUR CARE  ADVISOR

Your care advisor can answer questions such as:

  • Will this procedure be covered?
  • Why was I billed for this test?
  • I was just diagnosed with diabetes. What should I do next?
  • What questions should I ask my doctor?
  • What other American benefit programs might be helpful now?

PROACTIVE OUTREACH

Your care advisor may reach out to offer support with a new or chronic condition, or if you’ve had a recent inpatient stay.

CONFIDENTIALITY

They are bound by state and federal privacy laws to safeguard your information and use it only for the purposes for which it was disclosed.

How to Connect with BCBS

Phone

Call your care advisor directly at 877-235-9258 when you need help navigating your health benefits. For more information on hours, please see details within your member portal.

Online

Access the BCBS “Blue Access for Members” profile  with your AA ID and password to send secure messages to your care  advisor. (First-time users will need to register; after that you can sign on with your AA ID and password.)

App

Download the free BCBS mobile app from the Apple App Store or Google Play (Apple app | Android app). The app allows you to send secure messages to or call your care advisor, access your virtual ID card, or view your explanation of benefits (EOBs) or claims and bills.

How to Connect with UMR

Phone

Call your care advisor directly at 800-213-5755 when you need help navigating your health benefits. For more information on hours, please see details within your member portal.

Online

Access the UMR member portal with your AA ID and password to send secure messages to your care advisor.

App

Download the free UMR mobile app from the Apple App Store or Google Play (Apple app | Android app ). The app allows you to send secure messages to or call your care advisor, access your virtual ID card, or view your explanation of benefits (EOBs) or claims and bills.

Frequently Asked Questions

General

Why are we changing health benefits navigator support?

We are transitioning to a direct support model with our health benefits administrators — BlueCross BlueShield and UMR — to simplify the member experience. This change allows you to work directly with those that manage your claims, appeals, and prior authorizations. They will also assist with your care navigation, questions and support from the experts who manage the plan.

Which health plan administrator do I have?

That depends on what state you reside in. Check this map to determine which carrier administers your medical option.

When does the health benefits navigation change go into effect?

You’ll begin calling your new care navigator on Oct. 1, 2025. All support will be handled directly by BlueCross BlueShield or UMR. (If you’re enrolled in the DFW ConnectedCare or any HMO option, your benefits navigation support remains the same.)

Why is this transition happening in October instead of Jan. 1, 2026?

We are implementing this change in October so that team members will receive support from their administrators during Annual Enrollment as well as afterward.

I will be experiencing a qualifying life event. How does this benefits navigation transition affect me?

If you changed medical options after Sept. 1, 2025, you’ll only receive one ID card — the one with the updated care navigation phone number.

Regardless, you can always use your online/digital ID card option during the period you do not have an ID card.

Will my medical history or ongoing care be affected?

No. Your medical history and ongoing care will not be affected. Your providers and carriers maintain your medical records and care continuity.

Is my privacy protected?

Yes. Your health information remains protected under HIPAA and other applicable privacy laws, regardless of the care navigation provider.

ID card questions

Why am I getting a new insurance card?

You’re receiving a new ID card to reflect the updated contact information for customer service for your health benefits administrator instead of Accolade’s customer service line.

When will I receive my new card?

New insurance cards will be mailed prior to Oct. 1. Most members should receive them in mid-September.

Can I still use my old card?

You should begin using your new card by Oct. 1. The old card will not reflect the correct contact information for customer service.

What should I do if I don’t receive my new card?

If you haven’t received your new card by the end of September, contact your health benefits administrator at one of the listed phone numbers above.

What if I need additional ID cards for my covered spouse or dependents?

If you need additional ID cards for your covered spouse or dependents, you can request them by calling your health benefits administrator at one of the listed phone numbers above.

Do I need to inform my doctor about the new card?

Although it is not necessary to inform your doctor of your new card, we highly recommended you provide them with your new ID card as it has the most updated contact information.

Will my benefits or coverage change with the new card?

No. Your benefits and coverage remain the same, and your out-of-pocket costs will not change. Your new card only affects how you contact health benefits navigation and customer support.

Online access to your new benefits navigator

How do I contact my new health benefits navigator provider?

You can contact BlueCross BlueShield or UMR using the member services number on your new insurance card or by logging into the BlueCross BlueShield or UMR member portals.

Will I be able to continue using my AA ID and password to sign on to the BlueCross BlueShield or UMR member portals from my.aa.com?

Yes, you’ll still be able to access BCBS and UMR portals through my.aa.com using your AA credentials.  First-time users will need to register. After that, you can sign on with your AA ID and password.

Do I need to update my login information for BlueCross BlueShield and UMR if I already access my member portal?

No updates are needed if you already have access to your BCBS or UMR member portal. You can continue using your existing login credentials.

Accolade: open ticket and care advocates

How do I contact Accolade to follow up on historical information?

You will be able to contact Accolade at 833-FIND-WAY with any questions on historical information. For any chats or files you wish to save, log in to the Accolade app or portal prior to Oct. 1, 2025, and download the information.

I have an open ticket or inquiry with Accolade, what happens with that?

Accolade will work to close as many tickets as possible prior to Oct 1, 2025. After Oct. 1, please reach out to your administrator with your health benefits questions.

How will I be affected if I have a dedicated personal care advocate at Accolade?

You will be provided a new care advisor with BlueCross BlueShield or UMR, depending on your carrier, as you will no longer have access to your prior care advocate through Accolade.