How do I submit a claim?

Normally, your health care professionals will take care of your claims. Simply put, a claim is a request to be paid for a health care service.

When you visit your doctor for a check-up, your doctor submits a claim to us. We review the claim. If we approve it, then we pay your doctor.

However, if you visit a doctor outside of your network, you may have to submit the claim yourself.

In those situations, you’ll pay the full cost of the service. Then you’ll submit a claim to us. We’ll reimburse you for the portion covered by your health care plan when we approve your claim.

What you need to do

We want to make it as easy as possible for you to submit your claims. All you have to do is:

1. Fill out the appropriate claims form. Which form you need depends on your plan and the service you want to be reimbursed for. For example, the forms for dental and prescription drug claims are different than the forms for medical, vision or hearing claims. The forms can also be different if you get your health care through the federal or state government. Please visit our list of claims forms to find the one you need.

2. Attach the original copies of your receipts to the claims form. The receipts should include an itemized list of the services you want to be reimbursed for. We can’t accept cash register receipts, canceled checks or money order stubs. 

3. Mail the claim and receipts to the address on the form. Most forms have the address in the top right corner. The prescription drug claims forms list the address in the instructions for filling out the form.