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Most health insurance companies offer online access to your account. The vast majority of questions most people have can be answered through their online portal, such as remaining deductible, whether a claim was paid, or if a certain provider is in-network. Other information such as your specific Summary of Benefits is very helpful in determining how certain claims will be processed, or declined.
Helpful Tips:
Many Arizona health insurance companies offer a chat feature through the customer portal, while others offer an email option. Of course, calling is also an option but avoid Monday mornings as everyone else has the same idea.
Call your broker if you have a general question, or would like their opinion on a certain situation. Brokers do not have access to specific claims due to confidentiality laws, but often can offer helpful information. Depending on the broker, some have a contact at the insurance company and can cut through the red tape.
Always request the name of the individual you are speaking with, and if available, a reference number.
When cancelling coverage put it in writing. Also put it in writing when adding a dependent, and keep copies.
Courtesy, respect, and kindness will go a long way when dealing with a challenging situation. Whether over the phone, via email, chat, or fax, you will be amazed how far a little professionalism will go in resolving the issue at hand. |
