Feel free to contact your insurance company anytime, but especially in the following cases:

Pre-certification - Insurance companies ask that members call ahead before a hospital stay or surgery. This is so the carrier can help make sure you are getting the right care at the best price.

Billing concerns - Always contact your insurance company if:

• You question whether you were billed correctly.

• You are unsure of the type of care you received.

• You don’t understand your Explanation of Benefits, or EOB, which lists how much of the bill your insurance company will pay on your behalf, and how much you still owe.

Benefits information - Benefits, limitations and maximums of your health insurance plan are detailed in a Summary Plan Description, or SPD. Call you carrier if you have questions about or need a copy of your SPD. If you are still missing information or don’t understand what your carrier is telling you, contact your employer’s Human Resources department.

What this means for YOU:

Save yourself hassle, confusion and money. Contact your insurance company before a hospital stay or surgery, and any time you have questions about billing or benefits. Many times, answers to your questions are just a mouse click away. Most health insurance companies’ websites allow members access to personalized information including:

• Claims information

• Cost savings tools

• Your “Explanation of Benefits” (EOBs)

• Providers and clinics in your network, if your plan has a network

Blue Cross Blue Shield Minnesota: www.bluecrossmn.com
Blue Cross Blue Shield of MN Member service phone number: call the number on the back of your member ID card.

Delta Dental of Minnesota: www.deltadentalmn.org
Delta Dental Member Services Phone Number: 651-406-5916 (local) 1-800-553-9536 (toll free)

GreatWest HealthCare: www.greatwesthealthcare.com
GreatWest Member Services Phone Number: please call the number on the back of your member ID card.

HealthPartners: www.healthpartners.com
HealthPartners Member Services Phone Number: 952-883-5000 or 800-883-2177

Medica: www.medica.com
Medica Member Service Pone Number: 952-945-8000 or 1-800-952-3455

Meritan Health: www.meritain.com
Meritain Health Member Services Phone Number: each member services number is different, please call the member services number listed on the back of your member ID card.

PreferredOne: www.preferredone.com
PreferredOne Member Service Phone Number: please check with your employer for this information