Guide · Filing a claim
Gather, check the date, send it yourself.
Filing is mostly paperwork and a deadline. Here is the order that keeps it calm.
Four steps to filing
Gather the papers
Itemized bill, proof you paid, the claim form, your member ID.
Check the deadline
The form or your plan says how many days you have. Write the date down.
Fill the form
Use the same names and dates as on your papers. Keep a copy.
Send it yourself
Online, by mail or through your provider. Your insurer's form says which.
A deadline, worked out
An example so you can see the shape. Your dates will differ.
Example
Treatment date.
Good moment to have papers in hand.
Many forms ask for the claim by about here. Check yours.
Day 365 — Some plans allow up to a year. Check page 18 of yours.
Papers you'll usually need
- Itemized bill with dates and codes
- Proof of payment
- Completed claim form
- Member ID and group number
- Any referral or approval letter
- Medical or repair records if asked
How to send it
Online portal
Usually quickest. You get a receipt page to save.
By mail
Keep copies and send in a way you can track.
Through your provider
Some offices send it for you. Ask them to confirm in writing.