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One of the easiest and most efficient ways of tracking your insurance claims and other activity is by setting up an online account. Most, if not all, insurance carriers, now have an online portal available. This gives members the ability to perform many simple tasks, such as viewing and tracking claims, downloading forms, looking up … Continued
As Employee Advocate here at Acadia Benefits, I spend a good deal of time helping our customers understand their bills from providers. It is often confusing and hard to understand these statements. The first thing we look for on a bill is some sort of reference to a payment or reduction from the insurance company. … Continued
Occasionally, two insurance plans work together to pay claims for the same person. That process is called coordination of benefits. Insurance companies coordinate benefits to avoid duplicate payments by making sure the two plans don’t pay more than the total amount of the claim. They may also need to establish which plan is primary and which … Continued
I have been very busy this summer working on our customers’ disability claims! One recurring issue I have come across is obtaining medical records for the insurance companies’ review. Most large medical practices now “outsource” their medical records distribution to a third party. These third parties usually want payment for their time and resources. The … Continued
As the Employee Advocate here at Acadia Benefits, I get several calls each month from our customers who are unsure of how a claim for “routine lab work” was processed. Because their doctor ordered this lab work as part of their routine physical, many people assume the lab work will be covered in full, similar … Continued
Over the years, patients on HMO plans have learned the importance of obtaining referrals. What we need to remember, however, is that referrals are often written for a certain number of visits, or for a specific time frame. For example, a PCP may write a referral for a patient for three visits to an orthopedic … Continued
As we head into a new benefit year for many of our customers, it may be a good time to remind people about the importance of using the correct ID card during the transition time. There are occasions where the new ID card may not have been received by a member. In addition, their “old” … Continued
As benefits advisors, we are always looking for ways to find the best benefits for our customers. Consequently, we may offer new and innovative ways for employers to cut costs, while still offering plans with viable coverage. One of those changes may be seen in vision plans. In the past, several carriers would offer routine … Continued
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