At AWG Insurance Brokers, we know that close and effective relationships matter and we are committed to a long-term relationship as your trusted insurance broker.

  >  Claims   >  How to File a Health Insurance Claim Form

How to File a Health Insurance Claim Form

A health insurance claim is when you request reimbursement or direct payment for medical services obtained. The way to obtain benefits or payment is by submitting a health insurance claim via a form or request. There are two ways to submit your health insurance claim.

What Are the Options to File a Health Insurance Claim?

  1. The first way and the most convenient is when your medical services provider can submit the claim directly to the insurance company through the network electronically.
  2. The other way is by filling in the health insurance claim form and sending in the paperwork yourself. If your health service provider is not in the network for your health insurance company and can not file the claim on your behalf, then you will have to file a health insurance claim form to request payment for the medical services obtained.

Online Health Insurance Claims: When You Need to Request a Reimbursement

You used to have to submit health insurance claims through the mail, but with advances in technology health insurance companies and medical benefit plans now offer a few different options, depending on the health insurance company.

When you go to the doctor or other medical provider and are told that you have to submit your own insurance claim form, it means that the doctor or facility does not ask the health insurance company to pay for your bill and you must do it yourself.

What Kinds of Information Do You Need to File a Health Insurance Claim Form

If you have to file your own health insurance claim here are the steps you will need to take along with some helpful tips on submitting your insurance claim form. In order to complete the steps, you will need to understand your medical bill. You will also need to have some basic information to fill the form out.

List of Things on a Health Insurance Claim Form:

The claim form should be fairly self-explanatory to fill out. It will ask things like:

  • your insurance policy number, group plan number or member number
  • who received the services (for example if it was the primary insured or a dependent like a child, spouse or domestic partner)
  • if there is co-insurance or dual coverage
  • what was the visit for (accident, workers compensation), etc.?

4 Steps to Filing Your Health Insurance Claim Form

  1. Obtain Itemized Receipts
    You will need to ask your doctor for an itemized bill. An itemized bill lists every service that your doctor provided and gives the cost of each of the services. Make sure any medications or drugs provided during any treatment are clearly listed with itemized costs. Your health insurance company will need you to attach the original itemized bills to the claim form.
  2. Get Your Claim Form
    You will need to contact your insurance company to obtain a health insurance claim form or download a copy from their website. Your claim form will also give you additional instructions pertaining to what other information they may need from your doctor or healthcare facility.
  1. Make Copies
    Once you have your claim form filled out and your itemized bills from your doctor, don’t forget to make copies of everything. It will eliminate any errors that may be made in the claim process and make it easier for you to re-file your health insurance claim if it gets lost. You may also want to check the billing codes for medical errors and contact your health provider if you need clarification. This will avoid having your health insurance denied for incorrect information. Learn more about health insurance claim denials and what to do about it here.
  1. Review then Send
    To make sure everything is completely accurate, call your health insurance company and tell them you are about to send in your health insurance claim form. Review with them all the paperwork you have and ask them if there is anything else you need. Also, ask your insurance company how long should you expect to wait for your claim to be paid and mark that date on your calendar. Once you have everything in order, send out the claim form to your insurance company. The address to send the claim form should be on the claim form itself. Keep an eye out on your calendar for the claim date that you marked and contact your insurance company if you don’t receive your claim within the time frame given to you.
Submit Your Health Insurance Claim Form Online

Before you start filling in paperwork and heading to the post office, always check your health insurance company’s website.

Many insurance companies now offer the possibility to log onto your health, and medical benefits plan online. You can ask your employer if your health plan offers this option, or if your healthcare plan is not through your employer, contact your health plan insurer directly to find out if they have access to their services online.

Usually, if you go to your insurance company website, there will be a place where you can log on. If you do not have the information call them and have them help you set it up.

You may also be able to fill information online and submit at least part of the claim via your health insurance company website. If they do not offer full online submission, you may be able to start the claim and just mail in the supplementary documents with the associated reference number.

Advantages of Making Your Health Insurance Claim Electronically Through a Website

The benefit to submitting claims online is that the payment for your claim may be significantly faster, in some cases 24 hours. Getting your payment processed as fast as possible is worth going through the trouble of setting up an account to manage your services online. There is also a good chance that when you fill in your form online, you will also immediately see what portion of the claim is covered, what your co-insurance clause is and what deductible, if any, applies. Setting up an account to access your health insurance benefits and claims online will help you be better prepared to understand the related health insurance out-of-pocket expenses, or what kind of refund or payment your benefits plan will pay.

When You Have to Submit Your Health Insurance Claim By Mail

In some cases, a health insurance provider may not offer online submission or may limit online forms to specific services. In those cases you may have to print a health insurance claim form and fill in the details, then submit it via the mail.

Get in touch with us

    Post a Comment

    AWG: Covid19 Announcement

    Dear Valuable Clients and Partners, 

    Following the suspension of activities at workplace premises under the elevated safe distancing measures announced by the Ministry of Health (MOH) on 3rd April 2020, we would like to announce the following changes to our work so as to continue our service to our customers. 

    AWG Insurance Brokers is a key member of the financial service industry and we are exempted from the suspension. We will continue to provide services to our customers, but with the following measures and changes. 

    Closure of Office to walk-in Customers. 
    We will no longer allow walk-in submission of documents. The office will not be opened to the public and you will need to submit any Original Documents to our Letter Box placed at our office. If Original is not required, we will encourage sending via email. This is to reduce human contacts and reducing the risk of infection. 

    Working from home
    Our staff and management will be taking turns to work at home. We will have a reduced workforce during this period. Many insurance companies also have their staff working from home. You may still contact your servicer at the DID in their email. 

    Premium Payment

    We will not be able to receive cash payment from customer and all payment is to be made via Paynow with UEN No : 199002234G, QR Code (reflected on our debit note) and Cheques. Please indicate the policy/policies number that you pay and email to for any funds transfer 

    MAS has also announced recently on the availability of premium installment. We have not gotten any update from insurers as of today and will update you soonest once we have any information.  

    Claim function is probably the most important part of our existence. We continue to assist and advise you on any claims matter. For claims payment, we would advise that you opt for direct fund transfer to your designated account number if the option is available. 

    We apologize if there is any inconvenience caused and wish you good health amidst this difficult time.