Answers for: Brokers, HR Business/Owners, and Policy Holders
One of the biggest advantages in partnering with our firm is that we operate as a Broker, not a captive agent. Businesses no longer work with Health or P&C agents who represent just a single carrier. That being said, most of the Supplemental providers we compete with only represent just one carrier. We see that as a disadvantage.
What most of our clients will tell you is that we stay involved long after the commission checks are cashed. We look at Supplemental as a way to provide employees critically important protection against the financial exposure they face with uncovered medical bills. This is only accomplished with attention to service after the sale. Our in-house claims staff work every day to insure claims don’t fall on the lap of the employee or the business.
The majority of our clients felt the same when we were first introduced. First and foremost, our focus is education. One of the best things we do for your employees is to start by educating them regarding the options they have available. When an employee feels he or she is being educated rather than sold, participation levels skyrocket.
Our first meeting accomplishes two things: First, we learn how our products and services fit with the benefits you currently offer. Second, we provide you a complete overview of everything we do and determine if it fits with the vision you have for providing a better benefit package. We can accomplish all of that inside of an hour-long meeting.
The answer to this can vary. For example, an accident claim that is submitted with all necessary paperwork (claim forms, signed HIPAA forms, medical bills and reports, etc.) can be submitted, processed and paid very quickly – sometimes in as little as a few days. For claims that may be a little more in-depth, such as cancer claims or short-term disability claims, the process may take a bit longer as an adjuster works through your claim.
No matter what type of claim you are submitting, your claim will need to have a completed set of claim forms sent in. Depending on the type of claim you are filing, you may also need a statement filled out by your employer and possibly your doctor.
You will also need to submit medical bills and medical reports related to your injury or illness. Finally, you will also need to submit signed HIPAA (medical release) forms. While this final page is not mandatory, it does give CBU Benefits and our supplemental health partners the ability to work directly with your doctors and hospitals, meaning you will have to do less legwork in obtaining additional forms or records throughout the claim process.
Please contact us about your new claim. We can be reached Monday-Thursday 8:30 a.m. – 5 p.m. and Friday 8:30 a.m. – 4 p.m. by phone at (207) 620-7595 or by emailing [email protected].
The answer to this will be specific to your claim. Perhaps there are documents or bills that are needed by the adjuster to complete your claim assessment that they have not yet received. While CBU Benefits and our partners do everything in our power to work with you and with your doctors to obtain necessary paperwork, sometimes there are circumstances where the items are taking longer to arrive directly from your health care provider. If it seems like your claim is taking a long time, please reach out to us – the missing items may be something you can provide directly.
Please contact us for more information about your specific claim. We can be reached Monday-Thursday 8:30 a.m. – 5 p.m. and Friday 8:30 a.m. – 4 p.m. by phone at (207) 620-7595 or by emailing [email protected].
We can absolutely help you take the next steps to determine why your claim was denied and also help you file an appeal. Please contact us for more information. We can be reached Monday-Thursday 8:30 a.m. – 5 p.m. and Friday 8:30 a.m. – 4 p.m. by phone at (207) 620-7595 or by emailing [email protected].
Please contact us for information about your specific claim. We can be reached Monday-Thursday 8:30 a.m. – 5 p.m. and Friday 8:30 a.m. – 4 p.m. by phone at (207) 620-7595 or by emailing [email protected].
If you are looking to add someone to your policy – such as a child or a spouse – or you would like to sign up for new coverage, please contact us to schedule a time to meet with a licensed advisor. They will be glad to meet with you to discuss your options.
Please reach out to request a termination form, which you will need to fill out and sign. It will need to be brought to your employer/HR representative for them to sign, as well. Please then send the completed form to our office. If you have additional questions, please contact us. We can be reached Monday-Thursday 8:30 a.m. – 5 p.m. and Friday 8:30 a.m. – 4 p.m. by phone at (207) 620-7595 or by emailing [email protected].
One of the biggest advantages in partnering with our firm is that we operate as a Broker, not a captive agent. In other words, we work like you do. Nobody works with Health or P&C agents anymore who just represent a single company. That being said, most of the Supplemental providers we compete with do represent just one carrier. We see that as a disadvantage.
What most of our clients will tell you is that we stay involved long after the commission checks are cashed. We look at Supplemental as a way to deepen long term relationships. This is only accomplished with attention to service after the sale.
Without hands on knowledge of the industry, the products and enrolling strategies, many brokers find that offering Supplemental plans becomes a distraction from their primary focus. Our only focus is this market, and it shows when we are in front of your client.
Our number one priority is to protect the integrity of the relationships you have worked hard to develop. We start with a Discovery meeting to put a plan in place – both for how we will work with your clients, and also how we will maintain the level of service you currently provide. Our approach is to always interact with each client as “yours.”
Typically, the broker is listed on each piece of business submitted and then paid directly by the carrier. We can also provide options for training your own sales staff to work directly with your own clients. Either way, we create another profit center inside your existing book of business.
