HANDLING CLAIMS - SUBMITTING CLAIMS

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SUBMITTING INSURANCE CLAIMS

Always keep receipts of all medical care received. On the effective date of your policy every year start a new file for receipts. You need to submit all claims to the insurance company within 90 days of the medical care received, even if you have not reached your deductible. When submitting claims always submit a “Claim Form” that is provided by your insurance company along with copies of all receipts.

If you have questions about claims, you have an e-mail address on your Medical ID card so you can e-mail the company with your questions. All claim matters are handled by the insurance company. Insurance brokers do not get involved in claims.

If response from the company is slow, e-mail them or call them. Remember, in some cases the company will research your claim; therefore, it may take 2-3 months before you are reimbursed.