Insurance-for-You

INSURANCE FOR YOU FAQs
 
Life Information
 
Health/PPO Information
 
Q. Where can I find an agent after moving to another state?
A. If you've moved to another state, your current agent may still be able to help you, but if not, you may request a new servicing agent by contacting our Life and Annuity Contact Center. For life insurance inquiries, call 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST. For annuity policy inquiries, call 1-800-252-9546, Mon.-Thu., 7:30 a.m. to 5:00 p.m, and Fri., 8:00 a.m. to 4:30 p.m. CST. Please keep in mind that policy changes or inquiries can only be made by the owner of the policy.
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Q. How do I get an insurance quote from American National?
A. If you are already an American National policy holder, your agent can assist you with additional product quotes. If not, you can locate an American National agent through your local directory or by contacting our Life and Annuity Contact Center. For life insurance inquiries, call 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST. For annuity policy inquiries, call 1-800-252-9546, Mon.-Thu., 7:30 a.m. to 5:00 p.m, and Fri., 8:00 a.m. to 4:30 p.m. CST.
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Q. How do I get more information on the products you offer?
A. If you are already an American National policy holder, your agent can assist you with additional products. If not, you can locate an American National agent through your local directory or by contacting our Life and Annuity Contact Center. For life insurance inquiries, call 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST. For annuity policy inquiries, call 1-800-252-9546, Mon.-Thu., 7:30 a.m. to 5:00 p.m, and Fri., 8:00 a.m. to 4:30 p.m. CST.
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Q. Why do I need life insurance?
A. Life insurance helps you and your family prepare for the future. Planning today offers peace of mind for the uncertainties of tomorrow. Most people buy life insurance as a way to help replace income lost if something happens to them prematurely. It can also help to pay off debt, final expenses, and education costs. There are many reasons to consider life insurance. A friendly American National agent can assist you with this important purchase decision. You can locate an American National agent through your local directory or by contacting our Life Contact Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST.
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Q. How do I know how much life insurance I need?
A. The right amount of life insurance depends on your own unique situation. It is essential to not only consider current income and assets, but also your future earning power. A friendly American National agent can assist you with this important purchase decision. You can locate an American National agent through your local directory or by contacting our Life Contact Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST.
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Q. Who should I buy life insurance from?
A. Life insurance is purchased in anticipation of a future benefit payment. Payment could occur many years into the future so always buy from a financially sound life insurance company. You want a stable, financially strong company. A company that will be there to fulfill their contractual obligation in the future. Pay close attention to the financial stability ratings of your life insurance company. Look for companies, like American National, that have been in business for many years with very strong financial ratings. There are many things to consider when purchasing life insurance. A friendly American National agent can assist you with this important purchase decision. You can locate an American National agent through your local directory or by contacting our Life Contact Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST.
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Q. What are the advantages of term life insurance?
A. There are two main types of life insurance; whole life insurance and term life insurance. Both have their advantages, but a greater cost savings is usually associated with term insurance for certain age groups. Term life primarily offers protection for something with a time constraint, like a mortgage payment. It offers coverage in the event of premature death while such payments are being made. There are many things to consider when purchasing life insurance. A friendly American National agent can assist you with this important purchase decision. You can locate an American National agent through your local directory or by contacting our Life Contact Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST.
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Q. Can I afford term life insurance?
A. Term life may allow you to purchase a larger death benefit for a smaller cost because you're only paying the cost of insurance and not building cash value. However, it's important to remember that your chances of dying prematurely are lower, and premiums for term life insurance reflect that. There are many things to consider when purchasing life insurance. A friendly American National agent can assist you with this important purchase decision. You can locate an American National agent through your local directory or by contacting our Life Contact Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m. to 5:00 p.m. CST.
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Q. Who can I name as beneficiaries?
A. Naming of beneficiaries is one of your most important policy ownership rights. The beneficiary is the person, persons, or entity you designate to receive the policy proceeds upon death of the insured person. Virtually any person or legal entity can be named, so selecting your beneficiary and keeping your choice up to date is very important. If you need assistance with a beneficiary designation or change, contact your American National agent, or our Life Contact Center at 1-800-899-6806, Mon.-Fri., 7:30 a.m.to 5:00 p.m. CST, for assistance.
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Q. How does my plan pay?
A. The Plan booklet contains a BENEFITS section that describes how any deductible, co-payment or maximum payment would be applied. Your plan booklet also included a Schedule of Benefits or Certificate Schedule that specifies your deductible, co-payment (if applicable) and plan maximums.
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Q. How can I find out the amount of my deductible? Do I have a family deductible?
A. The Schedule of Benefits or Certificate Schedule outlines the plan deductible.   If your plan has a family deductible, it will also be shown here.
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Q. How do I file a claim? What is the address to file a claim?
A. The address for filing a claim is located on the member's ID card. If you do NOT have a PPO Plan, and cannot locate your ID card, simply mail a copy of your bills to the Claim Department, P.O. Box 10546, Springfield, MO 65808-0546.  Be sure to write your plan number on your bills.

View example of ID Card

If you are in a PPO Plan, see below for an explanation of filing a claim in a PPO Plan.
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Q. How do I read your Explanation of Benefits statement?
A. Please select the type of plan for a description of the EOB.
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Q. What will happen if I forget to pre-certify?
A. Many plans do not have a precertification requirement. You have two very good sources: the Schedule of Benefits or Certificate Schedule and your identification (ID) card. If your plan has a precertification requirement, your ID card will give you a toll-free number to call.

If you have a precertification requirement, but fail to precertify, a penalty may be applied. Again, check your Schedule of Benefits or Certificate Schedule for the potential penalty.
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Q. How do I report healthcare fraud and abuse?
A. If you believe you have been a victim of healthcare fraud or abuse, or if you would like to report any suspicious healthcare activity concerning your plan, please contact our Special Investigations Unit at 800-899-6520. You may e-mail us or write to:
American National
Special Investigations Unit, 6th Floor
One Moody Plaza
Galveston TX 77550.
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Q. If I am a provider in New Jersey, how do I learn more about claim adjudication?
A. Please select the following e-mail link to obtain additional information adj.meth@anico.com
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Q. If I am a provider in New Jersey and would like to appeal the payment amount on a claim, does the state specify a form?
A. The appeal process relating to questions of utilization review, experimental/investigational and medical necessity are addressed in the plan booklet. For other payment appeals the state of New Jersey enacted the Provider Independent Claims Payment Arbitration (PICPA) process, requiring use of a carrier-specific Health Care Provider Application to Appeal a Claim Determination form (DOBICAPPCAR 10/10). Company-specific Provider Independent Claim Payment Arbitration (PICPA) forms are below. Please select the link that applies to the carrier:
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Q. What is a Preferred Provider Organization (PPO) plan?
A. A Preferred Provider Organization (PPO) is a group of hospitals, physicians, and other health care providers who have signed an agreement to treat members. Their charge is based on a negotiated fee schedule. The negotiated fee schedule is part of the formal agreement. Routinely, the negotiated fees are significantly less than the fees patients otherwise pay. The providers who are involved in such agreements are referred to as "participating providers".

Many of our health plans use financial incentives for our members to use the participating providers of a specific PPO. We refer to such plans as "PPO Plans". If a member has a PPO plan and does not choose to use a participating provider, we will pay a lesser benefit, as specified in the PPO plan.
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Q. How does a PPO plan benefit me?
A. The providers who participate in a PPO have generally agreed to reduce the fees they charge our members. The fee reductions benefit both of us. We normally pay less to a PPO provider than we pay to a non-PPO provider. So, of course, we build into our PPO plans some financial incentives for our members to use PPO providers ("in-network"), instead of non-PPO providers ("out-of-network"). When our members go to PPO providers, they will generally find that the provider's charge, is less than a non-PPO provider's charge and that we pay a greater percentage of the total charge. The PPO's lower charge plus our greater benefits level for PPO services equals less money out of our members’ pockets.

Note: If a member receives services from a PPO provider, and such services are not eligible for benefits under the PPO plan, then the PPO provider may be free to charge his/her normal fee for such services. The charge may not be subject to the PPO Agreement which we have with the PPO.
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Q. What is the name of my PPO?
A. If your plan includes a Preferred Provider Organization (PPO), the name of the PPO will be located on your ID card.

View example of ID Card
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Q. Is my doctor a member of the PPO network?
A. Your doctor’s office should be able to tell you whether they are a participating provider. In addition, you may look at your ID card to find the name of your PPO, and then view their website to determine if your doctor is in the network. If your PPO does not have a website, a phone number will be on your ID card. Call that number to find out if your doctor is in the network.

View example of ID Card       View list of PPO websites
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Q. How can I find a doctor that is in my PPO network?
A. Your ID card gives the PPO's phone number, mailing address, and internet address, if any. They will have the most current list of providers in your area that are accepting new patients.

View example of ID Card       View list of PPO websites

Disclaimer for Texas PPO Networks
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Q. How can I get my PPO to include my health care provider?
A. The PPOs with which we contract accept "nominations" from our members to add providers to the PPO. You may call the PPO at the toll-free number on your ID card.

View example of ID Card
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Q. I live in Louisiana and have a PPO plan. Where can I find links to the participating hospital’s in-network physicians?
A. There are three PPO's currently utilized in Louisiana. Please follow the link below to your respective PPO provider list.

NOTICE

HEALTH CARE SERVICES MAY BE PROVIDED TO YOU AT A NETWORK HEALTH CARE FACILITY BY FACILITY-BASED PHYSICIANS WHO ARE NOT IN YOUR HEALTH PLAN. YOU MAY BE RESPONSIBLE FOR PAYMENT OF ALL OR PART OF THE FEES FOR THOSE OUT-OF-NETWORK SERVICES, IN ADDITION TO APPLICABLE AMOUNTS DUE FOR CO-PAYMENTS, COINSURANCE, DEDUCTIBLES, AND NON-COVERED SERVICES.

SPECIFIC INFORMATION ABOUT IN-NETWORK AND OUT-OF- NETWORK FACILITY-BASED PHYSICIANS CAN BE FOUND AT THE WEBSITE ADDRESS OF YOUR HEALTH PLAN OR BY CALLING THE CUSTOMER SERVICE TELEPHONE NUMBER OF YOUR HEALTH PLAN.

www.BeechStreet.com
www.MultiPlan.com
www.PPOplus.com
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Q. What is the effective date of my coverage?
A. The Schedule of Benefits or Certificate Schedule contains your effective date of coverage.
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Q. What is covered under the office visit co-pay?
A. Not every plan has the Office Visit Co-Payment option. If this is referenced in your Schedule of Benefits or Certificate Schedule, please refer to the section entitled "Doctor's Office Visit Co-payment" and/or "How the Preferred Provider Plan Works." They identify the services that are eligible under this provision, if covered by your plan.
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Q. I reside in Tennessee and would like to get more information about the appeal process and external review. Where can I locate the procedures for my state?
A. The appeal process relating to questions of utilization review, experimental/investigational, medical necessity and external review are addressed in the procedures attached. Please select the link that applies to the carrier:
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Q. I reside in California and would like to get more information about mental health coverage, utilization review and the appeal process.  Where can I locate information specific to California?
A. The appeal process relating to questions of utilization review, experimental/investigational, medical necessity, external review and language assistance are addressed in this document.
 

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Q. I reside in Massachusetts and would like to get an estimate of my cost on a proposed medical service.
A. Providing your estimated cost requires some detailed information.  The more information you can provide up front will allow us to provide a quicker response.  At a minimum we will require the provider contact's name and phone number.  If possible, please provide the following information as well:

  • CPT (procedural) code or detailed description of service(s) being rendered;
  • Amount being billed for each service;
  • Approximately when the service will be rendered; and
  • A brief description of the condition.
Once the information is gathered, you may call Customer Service toll-free at 800-899-5920 or email healthclaims.compliance@anico.com. We will respond to your request within 2 working days.

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