1. Seek Medical Treatment
Receive care for the injury and have the bills processed through your primary health insurance first, if applicable.
After your treatment has been processed and your portion of the expenses has been determined, you’ll need to pay your share of the bill.
2. Determine Out-of-Pocket Costs
Gather all invoices, explanations of benefits (EOBs), and receipts showing the amount you personally paid out of pocket.
3. Initiate Your Claim
We recommend filing your claim as soon as possible so that your claim is submitted within 30 days of the injury.
Even if you don’t yet know the total expenses, you can submit your claim and inform your claims adjuster that you’ll provide additional documentation as it becomes available.
4. Submit Documentation
Upload your receipts, invoices, and any other requested documents to the claims portal.
If you receive additional documentation later, you can submit them to your claims adjuster when received, up to the policy limit.