Use a supplemental policy by filing with that carrier. Keep the hospital or accident paperwork. Your major medical claim is a different envelope and a different claim number.
Call your licensed agent
They tell you which carrier and which form. Stay on the phone if you can so they can read the outline of coverage with you.
- Confirm the policy is still in force for the date of the stay or accident.
- Ask whether the hospital will send records, or whether you file the supplemental form yourself.
Gather the records
Admission and discharge dates, diagnosis, and itemized bills help. The outline of coverage lists what the policy pays.
- A hospital indemnity plan pays a fixed amount per day or stay. It does not replace the medical claim.
- Keep copies. The supplemental carrier may ask for the same pages again.
Send the form
File with the supplemental carrier using their claim form. The household portal does not submit that claim.
- Write the claim number down. Ask the agent how to check status.
- Do not assume the medical plan filing covers both. They are separate envelopes.
FAQ
Short answers you can use on a call with your agent.
Does the hospital file the supplemental claim for me?
Sometimes they will send records. You or the agency still file the supplemental carrier form. Do not assume the medical claim covers both.
Devkrest