FREQUENTLY ASKED QUESTIONS
- Do I have to use a doctor from a specific list?
- Do I need to Pre-Notify HCC for a doctor visit?
- What will happen if I don’t Pre-Notify?
- What will happen if I become ill or injured over the weekend and need to contact HCC?
- Once I Pre-Notify treatment, is coverage guaranteed for that treatment?
- Do I have to pay the doctor up front?
- How do I get a claim form?
- Do I need to send a completed claimant’s statement and authorization (claim form) with every bill?
- Does my plan cover prescription drugs?
- Can my doctor call if they have questions about what my plan covers?
- How long will it take for my claim to be processed?
- How do I find out about status of submitted claims?
- What if I do not agree with a claims denial?
You are free to use any doctor in the world as long as they are a licensed professional.
No, HCC does not require pre-notification for simple doctor visits. Contact HCC in advance or within 48 hours for the following:
- Inpatient Care
- Surgery or Surgical Procedure
- Extended Care Facility
- Home Nursing Care
- Durable Medical Equipment
- CAT scans & MRIs
- Repatriation of Remains
- Emergency Medical Evacuation
Emergency Evacuations must be pre-notified in advance and coordinated by HCC to be considered for coverage.
Eligible Medical expenses will be reduced by 50%, and the deductible will be subtracted from the remaining eligible amount, and the Benefit Percentage will be applied. If Pre-notification requirements are not met for transplant treatment, benefits are forfeited for all services or supplies for the Transplant.
Please phone 317-262-2132 or 1-800-605-2282. We accept all collect calls. Our customer service representatives are available 24 hours a day, 7 days a week for benefit inquiries, pre-notifications, and general assistance.
No. Although you’ve completed the Pre-notification Requirement, all plan provisions and conditions must be met at the time of treatment. We cannot authorize, or guarantee any benefit prior to the service. Pre-notification is not a guarantee of benefits.
Yes, in most cases you will need to pay the doctor up front and then submit a claim form to HCC for reimbursement.
You may obtain a copy of the claim form by visiting www.mnui.com . If you do not have access to the internet, please feel free to contact our customer service department so that we may send a form to you by fax or by mail.
No, you should submit one Claim Form to HCC for each different condition or diagnosis only.
Drugs will only be paid for if they are not related to a pre-existing condition and if you have reached your deductible. Prescriptions should be paid for at the pharmacy then submitted to the insurance company as a claim for reimbursement. Please include the prescription label and your paid receipts with a completed claim form.
Yes. We can define the benefits that are available within your coverage; however, we cannot pre-approve any treatment or guarantee payment in advance.
The claims department needs at least 10 business days to set up a file and begin reviewing a submitted claim. If additional information is needed to process the claim, written requests will be sent at that time. After all required information is received and reviewed, the claims will be processed according to the terms of the insurance.
You are welcome to contact us during regular business hours (7am to 6pm Eastern April through October; 8am to 7pm Eastern November through March) to inquire about the status of a claim.
You may ask for HCC to reconsider the denial by submitting a request for an appeal in writing within 90 days. In order for the claims department to review the appeal, you must supply additional documentation to support a reversal of the denial.
For complete benefits, please refer to your Plan. You may contact the HCC customer service department if you need a duplicate copy of your plan. If you have further questions, please feel free to contact HCC customer service department at 800-605-2282 or 317-262-2132 (collect calls accepted). You are also welcome to contact us by e-mail to firstname.lastname@example.org
EMERGENCY MEDICAL EVACUATION
HCC coordinates all evacuations through its home office in Indianapolis, IN and arranges for medically necessary evacuations through various service providers in all regions of the world. Call 800-605-2282 in the US, or collect outside the US at 317-262-2132, and indicate that you have a medical emergency.