When employees go to the doctor or dentist, they almost never have to file their own claims, since medical offices typically have a team of people who work with insurance companies directly. While this keeps things simple for the employee, when supplemental health insurance claims are added to the equation, things can get far more complicated.
“Supplemental health coverage is a benefit that is paid directly to the covered employee and the industry has relied on the individual to submit the claim for this reimbursement,” says Tim Weber, vice president of voluntary benefits distribution at Prudential Group Insurance. “Because individuals have never been exposed to this level of detail they find it very difficult to both understand the process and chase the information needed to submit the claims.”
