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FAQ
We find that our clients frequently ask the same questions. In an effort to assist our clients and to provide a readily available resource for common areas of confusion, we have set out below the answers to some of those questions.
- I received a bill from my doctor. I thought the services should have been paid for by my insurance, but they weren't. What should I do?
You should contact the insurance company at the toll-free customer service number on your insurance card and check to see if the claim was submitted and received by the insurance company. If the insurance company does not have the claim, you should call your doctor and ask them to submit or resubmit the claim to your insurance company.
If the claim has been received by the insurance company, you should ask them how it was paid to make sure it was processed correctly. If you do not understand what they are telling you or if you feel it was processed incorrectly, you should call your account manager and let her help you resolve the issue.
Of course, you always have the option of calling us immediately upon receipt of the doctors bill and we will contact the insurance company for you, as long as you have provided us with a form authorizing us to speak to the insurance company on your behalf.
- I have a new insurance plan and havent received my insurance card yet. I have a doctors appointment and need to have a prescription filled. How will I do that without my insurance card?
Until you receive your new insurance card, you should notify your account manager as soon as possible of any appointments you have and of any prescriptions you may need to have filled. She can verify that you are in the insurance companys system and contact the doctors office or pharmacist to pave the way for your appointment or prescription with the least amount of inconvenience to you.
- My address has changed. What should I do?
You should contact the insurance administrator at your employer and you should contact your account manager at David Justice Financial Services, Inc. We will notify the insurance company of the address change and take care of ordering new insurance cards.
- What do I do if I need to add or drop a dependent from my coverage?
You may add or drop a dependent if there is a qualifying event or if it is open enrollment. If one of those events occurs and you want to add or drop a dependent, you should complete a change form for each insurance company that will be affected, give them to your insurance administrator at your employer and have them faxed to your account manager at David Justice Financial Services, Inc. We will contact the insurance company(ies) to effectuate the change(s).
A qualifying event is a significant change in a persons life that creates the need to add, drop, increase or change coverage. Any changes must be made within 30 days of a qualifying event. Examples include marriage or divorce of the employee, death of a spouse or dependent, birth or adoption, and employment change of the employee or spouse.
You should contact your David Justice Financial Services, Inc. account manager to determine if a particular event is a qualifying event.
Open enrollment occurs annually at renewal where you and your eligible dependents can request changes in your coverage.
- I am a new employee. How do I enroll?
You should review the information provided to you by the insurance administrator of your employer and decide which plan is best for you. You should then complete the enrollment form or forms provided to you, and return them to your insurance administrator. You should submit your form as early as possible because you may experience problems if you delay, such as the inability to access benefits on your effective date and not having your insurance card in time for doctors' appointments and prescription refills.
Please feel free to contact us for more specific answers to your questions. YOU CANNOT ASK A STUPID QUESTION - WE HAVE NEVER HEARD ONE!
