Filing a Supplemental insurance claim often happens during a difficult time. We can help. To make it easier, here’s information on filing Accident insurance, Critical Illness insurance, Hospital Indemnity insurance and Health Maintenance Screening Benefit, or HMS Benefit, claims.1 Please follow these steps to begin. You can also find answers in our FAQ section.
File a Claim Online
Supplemental insurance plans provide direct payments to you for covered treatments or conditions.
To receive your direct payments, you need to file a claim for approval.
Looking for Forms and Guides?
Other Ways to File a Claim
You can also file completed, signed and dated forms by mail, fax, email or phone. You may also submit any supporting documentation this way.
General Claims Questions
Once we receive the required completed, signed and dated documents listed on this page, it will take approximately five business days to make a claim decision. If we haven’t made a decision within five business days, we’ll notify you with additional details.
If you’ve already filed a claim, please call our customer service at 800.634.1743 for all states except New York.
In New York, please call customer service at 888.569.0162.
Our customer service representatives are here to assist you Monday through Friday at one of the time zones below:
- 6 a.m. through 5 p.m., Pacific
- 7 a.m. through 6 p.m., Mountain
- 8 a.m. through 7 p.m., Central
- 9 a.m. through 8 p.m., Eastern
You can use the money for medical costs like copays and deductibles. You can also put it toward everyday living expenses such as child care, groceries and rent or mortgage payments.
If you’re looking for general information about your coverage or would like a copy of your Group Certificate of Insurance, contact your benefits administrator.
Accident Insurance
File a claim when you or someone listed on your policy receives treatment due to a covered accident. Claims should be submitted within 90 days of the accident if possible, but no later than one year.
Accident insurance provides over 70 benefits ranging from minor treatments at an urgent care center to catastrophic injuries. Depending on the type of accident and the care received, more than one benefit may be payable.
Review this guide that lists the most common available benefits and required forms. To see a list of benefits offered by your policy, ask your benefits administrator for your Group Certificate of Insurance.
Besides your name and Social Security number, you’ll need to provide:
- Employer name
- Group policy number
- Description of the accident, including accident/incident reports, if applicable
- Diagnosis for the accident provided by the treating physician
- Physician’s contact information (name, address, phone and fax number)
- If automobile accident, please provide Motor Vehicle Accident or Crash Report
It may contain multiple required forms and statements. These are in addition to a completed claim form.
- Employee’s Statement, which may include supporting documentation
- Authorization to Obtain and Release Information
- Documentation that provides proof of service, diagnosis and treatment received for the injury, and date of injury, including:
- An itemized hospital bill or UB-04 form
- An Attending Physician Statement
- Operative reports
We may also request medical records from your physician. If you have questions, we’ll review your claim and provide you with what documents are required, or request records on your behalf.
You’ll need to provide proof of your child’s registration in the organized sport event, such as a roster of the sports team with your child’s name listed.
If you're submitting an accidental death claim, please call our customer service at 800.634.1743 for all states except New York.
In New York, please call customer service at 888.569.0162.
Critical Illness Insurance
File a claim when you or someone listed on your policy receives treatment due to a covered illness. Claims should be submitted within 90 days of the critical illness if possible, but no later than one year.
Critical Illness insurance covers a variety of illnesses, including cancer, heart attack and stroke. To see the list of critical illnesses covered by your policy, ask your benefits administrator for your Group Certificate of Insurance.
Besides your name and Social Security number, you’ll need to provide:
- Employer name
- Group policy number
- Date of diagnosis of the covered critical illness (diagnosis date must be after your effective date of coverage)
- Information about your treatment, including all medical providers involved in your care
- Physician’s contact information (name, address, phone and fax number)
It usually contains the following documents to complete, sign and date:
- Employee’s Statement, which may include supporting documentation
- Authorization to Obtain and Release Information
- Attending Physician Statement
We may also request medical records from your physician. If you have questions, we’ll review your claim and provide you with what documents are required, or request records on your behalf.
Hospital Indemnity Insurance
File a claim when you or someone listed on your policy is hospitalized due to a covered injury or sickness. Claims should be submitted within 90 days of the hospitalization if possible, but no later than one year.
Hospital Indemnity insurance covers hospitalization due to childbirth, injury or illness — including COVID-19 and mental health. To see the list of benefits your policy offers, ask your benefits administrator for your Group Certificate of Insurance.
Besides your name and Social Security number, you’ll need to provide:
- Employer name
- Group policy number
- Information about your hospitalization, including the name and address of the hospital and admittance and discharge dates
- Physician’s contact information (name, address, phone and fax number)
It usually contains the following documents to complete, sign and date:
- Employee’s Statement, which may include supporting documentation
- For an accident-related injury requiring hospitalization, documentation that provides diagnosis and treatment received
- For hospitalization due to an illness, an Attending Physician Statement
- Authorization to Obtain and Release Information
We may also request medical records from your physician. If you have questions, we’ll review your claim and provide you with what documents are required, or request records on your behalf.
HMS Benefit
File an HMS Benefit claim when you or someone listed on your policy completes one of the covered screenings. Claims may be submitted during the calendar year in which the screening was performed or the next calendar year, but no later than one calendar year.3
The HMS Benefit covers 22 screenings ranging from a lipid panel and mental health assessments to novel infectious disease testing, such as COVID-19. Not all screenings are covered in all states. To see a list of screenings offered, ask your benefits coordinator for your Group Certificate of Insurance.
Besides your name and Social Security number, you’ll need to provide:
- Employer name
- Group policy number
- Patient name
- Which screening was performed and the date of the screening
Only the claim form is required. There are no additional forms or documentation required.
- Please indicate one screening per patient on the claim form.