Questions & answers · Vision insurance
Which documents does United of Omaha Life Insurance Company's filed vision insurance policy require for a claim?
AI-drafted from filed documents · reviewed: pendingdocuments needed for a claimUnited of Omaha Life Insurance Company
Under United of Omaha Life Insurance Company’s filed vision insurance policy in South Dakota (SD), a claim requires written proof provided within [180 days] from the date of service [2]. If proof cannot be submitted within this time, the claim will not be denied if the proof is given as soon as reasonably possible, unless the claimant is legally incapable [2]. The insurer may require supporting information, which may include clinical records, charts, x-rays, and other diagnostic aids [1][2]. The insurer may also require an independent examination by a provider they direct, and the insured cannot impose conditions such as pre-approval of the examiner or recording the exam [1][2]. United of Omaha will pay for these examinations, but the insured may be responsible for fees if they fail to cancel an appointment within the time required by the examiner, and the insurer may recover such fees by reducing payable benefits [1][2]. This does not appear in these excerpts — check the full policy for additional documentation requirements.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] United of Omaha Life Insurance Company · SD · SERFF MUTM-133149869 · form GVIS2018C MN · p. 14 · 60 · PROOF OF CLAIM
PROOF OF CLAIM Written proof must be given to us within 90 days from the date of service. If it is not reasonably possible to give us proof within the required time, we will not deny a claim filed for this reason if the proof is supplied as soon as reasonably possible, unless you are legally incapable. We may require supporting information which may include, but is not limited to, clinical records, charts, x-rays, and other diagnostic aids. INDEPENDENT EXAMINATION We may require an Insured Person to be examined by a Provider as we direct to assist in determining whether benefits are payable. You may not impose any conditions on an examination such as pre-approval of the examiner, attendance of a third party or audio/video recording of the examination. We will pay for these examinations; however, you may be responsible for fees associated with failure to notify the examination office of your appointment cancellation within the required amount of time specified by the examiner. We may recover this fee by reducing benefits that are payable. We will not require more than a reasonable number of such examinations.
[2] United of Omaha Life Insurance Company · SD · SERFF MUTM-133263448 · form GVIS2018C NC · p. 14 · 61 · PROOF OF CLAIM
PROOF OF CLAIM Written proof must be given to us within 180 days from the date of service. If it is not reasonably possible to give us proof within the required time, we will not deny a claim filed for this reason if the proof is supplied as soon as reasonably possible, unless you are legally incapable. We may require supporting information which may include, but is not limited to, clinical records, charts, x-rays, and other diagnostic aids. INDEPENDENT EXAMINATION We may require an Insured Person to be examined by a Provider as we direct to assist in determining whether benefits are payable. You may not impose any conditions on an examination such as pre-approval of the examiner, attendance of a third party or audio/video recording of the examination. We will pay for these examinations; however, you may be responsible for fees associated with failure to notify the examination office of your appointment cancellation within the required amount of time specified by the examiner. We may recover this fee by reducing benefits that are payable. We will not require more than a reasonable number of such examinations.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q7e4c3dd0. Spotted an error? Tell us.