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  Home > Health Plan > How To File a Claim

HOW TO FILE A CLAIM

Some plans do not include every benefit mentioned. Refer to your plan booklet to verify which benefits are included in your plan.

Click on any item to go directly to that section within this page
 

For prompt processing of your claims, please follow the guidelines described here. For more detailed information, refer to the Health Benefits Plan Claim Procedures page of this website.

If you do not file a claim for benefits within 24 months of the date the service is received, the claim will not be processed and no benefits will be paid.

Claims for Hospital, Surgical, Medical Benefits

Most healthcare providers will submit your claims for you. All BlueCross BlueShield PPO providers will file your medical claim for you. Do not file a separate claim if you use a PPO provider, even if the hospital or doctor gives you a paper bill. If you use a non-BlueCross BlueShield provider, be sure to show your ID card to your provider so they will know where to send your claim.

If your provider does not submit your claim for you, it then is your responsibility to file the claim with the Benefits Fund Office. A Hospital, Surgical, Medical claim form must be filled out by you and your attending physician and returned to the Benefits Fund Office.

Have the form completed by your doctor and attach the following:

  1. Doctor’s itemized bills.
  2. An itemized bill from the hospital, if you are confined.
  3. Pathologist’s and radiologist’s itemized bills.
  4. Bills for ambulance or anesthesia charges involved in your claim.
  5. A complete assignment form, if one is issued on your claim.

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Claims for Special Laboratory Benefit

If you use the Special Laboratory Benefit for laboratory testing, Quest Diagnostics will file the claim directly for you using the electronic claim payor number (36659) and the ID number that appears on your UFCW Lab and Drug Card. Check your plan (Plan D5 or Plan B5) for a description of the Special Laboratory Test Benefit and how to use it.

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Claims for Income Protection Benefits

  1. Obtain an Income Protection claim form or Hospital, Surgical, Medical claim form from the Benefits Fund Office.
  2. Fully complete the claim form. You, your doctor and your employer must each complete a section of the form in a timely manner.
  3. Send the completed form to the Benefits Fund Office.

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Claims for Vision Benefits

  1. Obtain a Vision claim form from the Benefits Fund Office prior to your vision appointment, or as soon as possible after emergency treatment.
  2. You and your eye doctor should fully complete the form.
  3. Send the completed form to the Benefits Fund Office.
If your eye doctor is an ophthalmologist who is a BlueCross BlueShield PPO provider, he or she will file your Vision claim for you. Also, the ophthalmologist's fee will be subject to the PPO discount. To find a PPO provider, go to www.bcbs.com or call 800-810-BLUE (2583).

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Claims for Dental Benefits

  1. Obtain a Dental claim form from the Benefits Fund Office prior to your dental appointment or as soon as possible after emergency treatment.
  2. You and your dentist should fully complete the form.
  3. Send the completed form to the Benefits Fund Office.

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Claims for Prescription Benefits

If you have your prescriptions filled at an NPA/Express Scripts participating pharmacy using your ID card, there is no claim form for you to file—you pay only the co-pay and the pharmacist handles the rest.

If you do not use a participating pharmacy, you may request to be reimbursed for a portion of the cost of your prescription. Forms for “direct reimbursement" are available from the Benefits Fund Office and are to be completed by you and your pharmacist.

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Claims for Life Insurance and Accidental Death and Dismemberment Benefits (AD&D)

To request payment of life insurance benefits, the following is required:

  1. A Fort Dearborn Life Insurance Company claim form. Call the Benefits Fund Office to obtain this form.
  2. A certified copy of the death certificate.
For dismemberment under the AD&D Insurance Benefit, a Hospital, Surgical, Medical claim form must be completed and submitted to the Benefits Fund Office.

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Authorization to Release Personal Health Information

Help us communicate benefits to you and your family. Federal law requires that every adult covered person must give a written authorization before we may disclose personal health information to another person, such as a spouse, about the individual's treatment or coverage. If an authorization is not on file, we can disclose information only to the covered person.

You should complete and return an Authorization for Release of Personal Health Information as soon as you receive it from the Benefits Fund Office. We will then know to whom we are authorized to disclose information regarding your health benefits coverage and medical treatment.

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Payment or Status of Your Claim

To obtain the status of your claim, call Customer Service at the Benefits Fund Office.

The person who calls must be you or someone you have authorized and should be able to provide the following information:

  1. Your name and UFCW ID # (or Social Security number).
  2. Your current address and phone number.
  3. The nature and date of the accident or illness.
  4. The name and location of the hospital or doctor.

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Forms

Claim forms are available on-line at Forms and Publications or by calling the Benefits Fund Office. You may call for forms 24 hours a day.

Separate claim forms are required for each family member.

Send completed forms and all bills, receipts, or other documentation to:

United Food and Commercial Workers Unions and
Employers Midwest Health Benefits Fund
1300 Higgins Road, Suite 300
Park Ridge, Illinois 60068-5713

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