Important Information on Filing Insurance Claims

Accidents

To properly file your insurance claim, we need the following details about your accident:

• Where - The exact location of the accident (home, work, automobile, etc.). This affects how your claim is processed.



• When - A detailed description of how the accident happened. This allows us to determine the type of claim (home, auto, work, liability) and submit accurate information to your insurance company.



• How - How your accident happened is very important so that it can be determined if the accident is a home, auto, work, or liability. Please be detailed in your account of what happened, so that a good description can be submitted to your insurance company.

Important facts you may not know about accident claims:

• Vehicle-Related Injuries –If you fall and hit your hand, arm, or any part of your body on your vehicle, a claim must be filed with your automobile insurance first. Even if you only carry liability coverage, your auto insurance must issue a payment or denial before the claim can be submitted to your health insurance.



• Car Door Injuries –If you shut your hand or any part of your body in a car door, this must also be filed with your automobile insurance.



• Kansas No-Fault Law –Kansas is a no-fault state. If you are the titled owner of a vehicle, we will need your automobile insurance information — whether you were driving, were hit by another vehicle, or were a passenger in an accident.

Tip: It is always helpful to bring your current insurance card to every visit. This ensures your claim is filed correctly and helps prevent delays in processing and payment.

Medicare and Medicare Advantage Information:

• Medicare Advantage Plans –If you are enrolled in a Medicare Advantage plan, you do not need to show your red, white, and blue Medicare card. We only need a copy of your Medicare Advantage plan card.



• Insurance or Status Changes –If you have changes to your secondary insurance or employment status, you must report them to Medicare at 800-999-1118. Keeping this information updated helps ensure your claims are processed correctly.



• Hospice Care –If you or a loved one is currently receiving care from a hospice provider, please inform us. Hospice enrollment can affect how your claims are billed and processed.



• Retirement Date –If your retirement date is different from your Medicare eligibility date, please let us know. We need your correct retirement date to properly file your claim.