Assigning Benefits

Many health care providers will bill the Plan for you for the services you receive.  This is referred to as "assignment of benefits."  Most providers will want to see and/or photocopy your insurance card.  (If you need a card, please call the Trust Offices.)  From the insurance card they will obtain the policy number, the participant's social security number, and the address for claims to be submitted.   The provider will usually ask for you to pay the deductible and any non-covered expenses at the time of service.  The provider will send the bill to the Trust Office for payment.  When the Trust Office pays the provider, you will receive an Explanation of Benefit (EOB) in the mail.  Please review the EOB to ensure that the services you received were properly billed and paid for.
 

Claims Processing Time

Claims are usually processed within 14 days of the day the claim is received at the Trust Offices.  Claims involving coordinating benefits with other insurance plans and claims involving benefits that third parties may be liable for often take longer to process.
 

Getting Reimbursed for Medical Bills You Have Paid (Unassigned Benefits)

If your health care provider does not bill insurance, be sure to get a complete itemized statement that includes:

• Date of service

• Medical codes - Current Procedural Codes (CPT)

• Diagnosis codes

• Provider's Name and Tax ID number

• Participant's social security number

• Patient's name and social security number

• Notation that payment was received or a receipt

The Plan can not reimburse you from any receipt that does not include this information.  You may submit the bill to the Trust Offices for reimbursement via fax, mail, or in person.  A reimbursement check will be mailed directly to you when the claim is processed.
 

Filing an Annual Medical/Dental Claim Form for the Patient

For prompt processing of your claim, make sure that the patient has an updated Annual Medical/Dental Claim Form filed with the Trust Offices.  This form must be updated at least once every twelve months or whenever the information changes, such as a change in your spouse's insurance.
 

Submitting Your Claim

Mail or fax your completed claim form(s) to the Trust Offices as listed below:

Fax:     (907) 278-7576

Mail:    Alaska Electrical Trust Funds

                        Attn:  Medical

                        2600 Denali Street, Suite 200

                        Anchorage, AK 99503-2782

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