Page 13 - Benefits-Guide-2020

Personal Health Advocate
If you choose coverage through
the Insurance Trust, then you can access a Personal Health Advocate: someone looking out for your best interests about all things health- related. From clinical help about tests, treatment options, and prescriptions, to administrative support to help
you access care and understand insurance claims, your Personal Health Advocate is on your side.
When you call a Personal Health Advocate, you’ll be connected with
a registered nurse or administrative specialist, depending on the nature of your inquiry. Once assigned, this expert will stay with you until your problem is resolved. He or she will help with the following types of issues:
• Understanding tests, treatments, and medications recommended or prescribed by your doctors
• Finding the right physicians for a second opinion
• Home care
• Prescription drugs, including answering
formulary and benefit questions
• Finding primary and specialist physicians, hospitals, dentists, and other healthcare providers
• Claims review and appeals
• Billing mistakes, including duplicate
or erroneous charges
• Deductibles and co-payments
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