The cost of being sick or injured doesn’t necessarily end with the hospital’s bill. Additional expenses that are not covered by most medical plans can quickly add up. Health insurance was developed specifically for financial protection against loss due to sickness or bodily injury and the unexpected out-of-pocket expenses that can blindside even the most careful planner.
American National offers health insurance plans that cover a wide range of necessities, such as supplemental health plans that offer specified coverage. Some are indemnity policies that pay cash benefits for covered incidents and can work in conjunction with your personal medical insurance plan.
How do I file a claim? What is the address to file a claim?
The address for filing a claim is located on the member's ID card. If you do not have or cannot locate your ID card, simply mail a copy of your bills to the Claim Department, P.O. Box 10546, Springfield, MO 65808-0546. Be sure to write your plan number on your bills.
How do I read your Explanation of Benefits statement?
Please select the type of plan for a description of the EOB.
If you believe you have been a victim of healthcare fraud or abuse, or if you would like to report any suspicious healthcare activity concerning your plan, please contact our Special Investigations Unit at 800-899-6520.
Special Investigations Unit, 6th Floor
One Moody Plaza
Galveston TX 77550.
How does a PPO plan benefit me?
The providers who participate in a PPO have generally agreed to reduce the fees they charge our members. The fee reductions benefit both of us. We normally pay less to a PPO provider than we pay to a non-PPO provider. So, of course, we build into our PPO plans some financial incentives for our members to use PPO providers ("in-network"), instead of non-PPO providers ("out-of-network"). When our members go to PPO providers, they will generally find that the provider's charge, is less than a non-PPO provider's charge and that we pay a greater percentage of the total charge. The PPO's lower charge plus our greater benefits level for PPO services equals less money out of our members’ pockets.
Note: If a member receives services from a PPO provider, and such services are not eligible for benefits under the PPO plan, then the PPO provider may be free to charge his/her normal fee for such services. The charge may not be subject to the PPO Agreement which we have with the PPO.
How does my plan pay?
The Plan booklet contains a BENEFITS section that describes how any deductible, co-payment or maximum payment would be applied. Your plan booklet also included a Schedule of Benefits or Certificate Schedule that specifies your deductible, co-payment (if applicable) and plan maximums.
I am a provider or resident of Florida and would like to obtain a prior authorization form for a prescription or other medical service.
The state has established a standardized form for the preauthorization of prescription drugs and other medical services. You may download the instructions below and select the form for the appropriate company:
I live in Louisiana and have a PPO plan. Where can I find links to the participating hospitals in-network physicians?
There is only one PPO currently utilized in Louisiana. Please follow the link below to your respective PPO provider list.
HEALTH CARE SERVICES MAY BE PROVIDED TO YOU AT A NETWORK HEALTH CARE FACILITY BY FACILITY-BASED PHYSICIANS WHO ARE NOT IN YOUR HEALTH PLAN. YOU MAY BE RESPONSIBLE FOR PAYMENT OF ALL OR PART OF THE FEES FOR THOSE OUT-OF-NETWORK SERVICES, IN ADDITION TO APPLICABLE AMOUNTS DUE FOR CO-PAYMENTS, COINSURANCE, DEDUCTIBLES, AND NON-COVERED SERVICES.
SPECIFIC INFORMATION ABOUT IN-NETWORK AND OUT-OF- NETWORK FACILITY-BASED PHYSICIANS CAN BE FOUND AT THE WEBSITE ADDRESS OF YOUR HEALTH PLAN OR BY CALLING THE CUSTOMER SERVICE TELEPHONE NUMBER OF YOUR HEALTH PLAN.
I live in Texas. Where can I locate the Texas Prior Authorization Request Form for Prescription Drug Benefits?
You can download the form by clicking here. Please note that the patient must be eligible and your plan must have prescription coverage to qualify for benefits.
I reside in California and would like to get more information about mental health coverage, utilization review and the appeal process. Where can I locate information specific to California?
The appeal process relating to questions of utilization review, experimental/investigational, medical necessity, external review and language assistance are addressed in this document.
I reside in Massachusetts and would like to get an estimate of my cost on a proposed medical service.
Providing your estimated cost requires some detailed information. The more information you can provide up front will allow us to provide a quicker response. At a minimum we will require the provider contact's name and phone number. If possible, please provide the following information as well:
CPT (procedural) code or detailed description of service(s) being rendered;
Amount being billed for each service;
Approximately when the service will be rendered; and
I reside in Tennessee and would like to get more information about the appeal process and external review. Where can I locate the procedures for my state?
The appeal process relating to questions of utilization review, experimental/investigational, medical necessity and external review are addressed in the procedures attached. Please select the link that applies to the carrier:
I reside in Texas. Is there a resource that describes my PPO network? Is there an Access Plan that applies to my coverage?
Pursuant to Title 28 Texas Administrative Code § 3.3705(b), the PPO network disclosure can be accessed by selecting the link corresponding with the company with whom you are insured. Next to the company name is a second link that will provide you the company’s Access Plan, as required by the state of Texas.
If I am a provider in New Jersey and would like to appeal the payment amount on a claim, does the state specify a form?
The appeal process relating to questions of utilization review, experimental/investigational and medical necessity are addressed in the plan booklet. For other payment appeals the state of New Jersey enacted the Provider Independent Claims Payment Arbitration (PICPA) process, requiring use of a carrier-specific Health Care Provider Application to Appeal a Claim Determination form (DOBICAPPCAR 10/10). Company-specific Provider Independent Claim Payment Arbitration (PICPA) forms are below. Please select the link that applies to the carrier:
Your doctor’s office should be able to tell you whether they are a participating provider. In addition, you may look at your ID card to find the name of your PPO, and then view their website to determine if your doctor is in the network. If your PPO does not have a website, a phone number will be on your ID card. Call that number to find out if your doctor is in the network.
What is a Preferred Provider Organization (PPO) plan?
A Preferred Provider Organization (PPO) is a group of hospitals, physicians, and other health care providers who have signed an agreement to treat members. Their charge is based on a negotiated fee schedule. The negotiated fee schedule is part of the formal agreement. Routinely, the negotiated fees are significantly less than the fees patients otherwise pay. The providers who are involved in such agreements are referred to as "participating providers".
Many of our health plans use financial incentives for our members to use the participating providers of a specific PPO. We refer to such plans as "PPO Plans". If a member has a PPO plan and does not choose to use a participating provider, we will pay a lesser benefit, as specified in the PPO plan.
What is covered under the office visit co-pay?
Not every plan has the Office Visit Co-Payment option. If this is referenced in your Schedule of Benefits or Certificate Schedule, please refer to the section entitled "Doctor's Office Visit Co-payment" and/or "How the Preferred Provider Plan Works." They identify the services that are eligible under this provision, if covered by your plan.
What is the company’s practice in handling telemedicine?
COVERAGE FOR TELEMEDICINE MEDICAL SERVICES AND TELEHEALTH SERVICES. (a) A health benefit plan may not exclude from coverage a covered health care service or procedure delivered by a preferred or contracted health professional to a covered patient as a telemedicine medical service or a telehealth service solely because the covered health care service or procedure is not provided through an in-person consultation.
(b) A health benefit plan may require a deductible, a copayment, or coinsurance for a covered health care service or procedure delivered by a preferred or contracted health professional to a covered patient as a telemedicine medical service or a telehealth service. The amount of the deductible, copayment, or coinsurance may not exceed the amount of the deductible, copayment, or coinsurance required for the covered health care service or procedure provided through an in-person consultation.
(c) Notwithstanding Subsection (a), a health benefit plan is not required to provide coverage for a telemedicine medical service or a telehealth service provided by only synchronous or asynchronous audio interaction, including:
an audio-only telephone consultation;
a text-only e-mail message; or
a facsimile transmission.
What is the effective date of my coverage?
The Schedule of Benefits or Certificate Schedule contains your effective date of coverage.
What is the name of my PPO?
If your plan includes a Preferred Provider Organization (PPO), the name of the PPO will be located on your ID card.
Many plans do not have a precertification requirement. You have two very good sources: the Schedule of Benefits or Certificate Schedule and your identification (ID) card. If your plan has a precertification requirement, your ID card will give you a toll-free number to call.
If you have a precertification requirement, but fail to precertify, a penalty may be applied. Again, check your Schedule of Benefits or Certificate Schedule for the potential penalty.