Insurance Webites

Did you know that with most insurance’s you can review your claims on their website?  I for instance have Anthem Blue Cross Select.  I found their website (the information is usually on the back of your insurance card) and signed up.  In order to sign up, you will need to have your insurance card handy and a valid email address.  Most websites will ask you questions and have you click the “I accept” disclaimer in order to join.  Once you’ve gone through the steps of setting up your account and password you would just log onto the website.  I recommend you save the website to your “favorites” so that it’s easy to find.  You will now be able to look at and print your claims.  There may be claims that say “processed, pending or rejected”.  You would just click on the one that you need and it will show the charges, what was allowed, what went towards the deductibles or co-pay, what the provider was paid, or what wasn’t paid and why.  Every member in your household will need their own sign in name, password and email to access claims.  

You can also find providers that are contracted with your insurance company.  But beware….just because they may be listed, doesn’t mean that they’re current.  If you find a provider that you want to see, call their office and double-check that they take your insurance.  Not all insurance companies keep their providers lists up to date, and providers may drop out of the plan, yet still show up on the website.

The website may also have information on wellness, health assessment, treatment- cost- advisor, compare facility cost and quality, your health record, a place to compare plan coverage options and a glossary/definition area as well.  These are very handy tools to have at your disposal.  There’s may even be a place where keep track of what money went towards your annual deductible and out-of-pocket expenses.  Not all insurance companies have the same information on their websites, but they’re great to utilize if they’re available and I would recommend that you start using it right away.