How Do I Submit a Claim to United Healthcare?

United Healthcare provides a variety of health insurance plans for millions of people and is dedicated to helping individuals have happier, healthier lifestyles. If you're a United Healthcare member, you need to know how your insurance plan works.

How do you submit a claim to United Healthcare? You can get information and support by contacting United Healthcare customer assistance here, or read below on how to file your health claim.

When to File Your Claim

In-Network Claims

For in-network care, your healthcare provider will file your insurance claim on your behalf along with the detailed invoice of services received during your visit. You can get a copy of the detailed bill from your care provider to compare to the claim submitted. You will receive an explanation of benefits when your doctor or clinic submits your claim showing what was paid by your United Healthcare plan and what is your responsibility.

Member Submitted Claims

While most claims are submitted by the care provider, there are times you will be responsible for submitting your claim for reimbursement. These include the following:

1. Dependent claims: For FSA accounts, you must submit the claim to United Healthcare for payment or reimbursement.
2. Up-Front Billing: Some providers require payment upfront and don't file insurance claims on behalf of patients. If this is the case, you will have to submit your bill to United Healthcare.
3. Out-of-Network providers: If you see providers outside your plan's network, it's your responsibility to submit your claim. The out-of-network provider cannot submit a claim to United Healthcare on your behalf.

How to Submit Your Claim

To submit your United Healthcare claim, follow these steps:

1. Open United Healthcare's website in your browser.
2. Log in to your online account.
3. Click on the "Claims and Account" tab.
4. Select "Submit a Claim."
5. Open the "Medical Claim Submission Form."
6. Download and print the form
7. Fill out the medical claim submission form and attach your bill.
8. Submit the claim form and the bill to United Healthcare at the address listed on the website.

After You've Submitted Your Claim

Once you have mailed your claim, it will be processed by United Healthcare and you will receive an EOB (explanation of benefits) outlining how much you will be reimbursed for your out-of-pocket expenses. It will also list how much was applied to your deductible.

If your care provider doesn't file your United Healthcare claim on your behalf, you can do so by following the steps outlined above. For more information or assistance, contact United Healthcare member support here.