Frequently Asked Questions
How will you know what my policy covers when I'm not even sure?
There are many different types of medical policies and coverages. MCA will ask you to provide copies of whatever it is you may have in your files. Missing items will be requested from your insurance carrier (with your authorization, of course).
MCA takes your privacy very seriously. Not only is it the law, it is ethical. Every employee is screened very carefully and has a signed confidentiality/ethics agreement with MCA. Please see our privacy policy for more information.
With all of the Privacy Acts in place, how will you have access to my information?
You will be asked to sign an authorization to release information prior to getting started. As a member of MCA, you will be asked to do this once per year (at renewal) for our files.
Once my case is going, will I have to explain what is going on each time I call MCA?
Ultimately, you will have a trusted personal relationship with a dedicated person on the team. If by chance that person is out of the office for whatever reason, another specialist will be available to help you. Our database is securely available only to those contracted within the company.
How can I send you my information?
You may send your information in whatever way is convenient for you; Fax, Email or post office. Once it has been established that we will have a relationship, MCA will provide postage paid envelopes for your health claims and invoices to be sent to our office for ongoing managing. This is especially convenient if you are out of town for a long period of time, and you have someone checking on things at home for you. Anything that may look obvious with health and insurance information send it on over. Of course, if something not pertaining to your insurance is received, we will send it back post haste!
If we communicate by email, is it secure?
Yes! Medical Claims Advocates has contracted with Voltage Encryption to ensure security. Once we establish our relationship, you will assign yourself a username and password for our secure email.
What is the benefit of the annual membership?
The annual membership offers ongoing services. That would include, but may not be limited to: unlimited phone calls to answer your basic insurance questions (remember, no question is dumb!), constant management of your Explanation of Benefits (EOB’s) and invoices. It will also give you discounted hourly rates, plus more.
Once my claim is resolved, what do you do with the information?
If you are a member of MCA, we will keep your information on file for up to three years, just in case there is additional future involvement. After that, the paperwork will be shredded and the electronic file archived.
Of course!
Yes. If you are not a member of MCA's we will require a deposit (retainer) amount dependent upon your case. Credit cards are the quickest and most efficient way we can get started.
If as a member your services go beyond what the Stewardship Program offers you will be notified prior to being charged an hourly rate. Once you have approved the additional services, you may choose to pay by check or credit card. If you are not a member, you may pay off of your monthly invoice either by check or credit card once your retainer amount has been exhausted.
Will insurance cover your services?
Unfortunately no.
I don't like my insurance policy, will you recommend another?
With Pam being an active licensed representative, it is her intent to focus on servicing rather than selling insurance. She is more than happy to refer you to another person that would have the same passion about your business that she does.
My insurance is through my company, can you still help me?
Yes. The rates would still be the same although someone would be glad to speak to your employer or human resource department regarding negotiated blanket rates.
Our standard hours of operation are 8:00am to 5:00pm Monday through Friday, mountain time. With the convenience of smart phones and electronics, the availability oftentimes goes beyond those hours. As our services are provided nationally, it is realized that getting in touch with someone from one coast to another requires attention off of the standard hours of operation. That is a typical day for a good service provider. Feel free to call or email anytime, if you leave a message rest assured you will be responded to promptly!