Guide · Before a claim
A little knowing now saves a lot of stress later.
You don't have to read your whole policy. Here are the four things worth knowing before you ever need to file.
Four things worth knowing
p. 14
Waiting periods
Some plans make you wait before certain care is covered. Look for it by the service name.
p. 22
In-network or not
Using a provider your plan lists usually changes what you pay. Check before you book.
p. 9
What you pay first
The deductible, copay and coinsurance decide your share. They are three different things.
p. 31
What's left out
Every plan has exclusions. They are short lists, and worth five minutes.
Your before-you-go checklist
Take a minute. Tick them off.
- Find the waiting period for the service you need.
- Check if your provider is in your plan's network.
- Write down your deductible and what you have used.
- Ask if the service needs approval first.
- Save your member ID and the claim form link.
- Note the claim deadline on your calendar.
Not sure what applies to you?
Ask your own question and we'll find it in the filed policy papers, with the page.
We'll tell you when the answer depends on things only your insurer knows.
Questions people ask about this
How long is the waiting period?
Your plan lists it by service name. We look for it in the filed forms and show the page.
Answered · page 14
Answered · page 14
Do I need approval first?
Some services need approval from the plan first. Ask your insurer, and check the page that lists them.
Answered · page 22
Answered · page 22
What counts toward my deductible?
Your plan says which services count. We show the page, and a short example.
Answered · page 9
Answered · page 9