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Time limits for submitting claims

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There are a couple of timing guidelines to be aware of when submitting claims to your Zane Plan.
These timing guidelines vary by company and plan.  For specifics on your plan, see your Plan Documents Exhibit 1: Timing for Submitting Claims and Receiving Reimbursements.
  1. Active Employees: Claims and documentation must be submitted within a certain time period after the date of service.  Usually this is 180 days after the date of service, but it varies by company (see Exhibit 1). Additionally, claims and documentation for dates of service in a previous plan period must be submitted within 90 days of the close of the previous plan period (this is also called the "90-day run-out period".)  
  2. Terminated Employees: Claims and documentation must be submitted within 90 days from the date of termination. Only claims with dates of service up to and including the date of termination may be eligible for reimbursement. 
Additionally, the date of service or coverage (not necessarily the date of payment) needs to be during the time you were effective in the Zane Plan. Claims for reimbursement with dates of service before your effective date, or after your termination date, will not be approved.

To view your Plan Documents, log in to your Zane Benefits online account.  From the main menu, click on "Plan Documents".

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Disclaimer: The information provided on this website is general in nature and does not apply to any specific U.S. state except where noted. Health insurance regulations differ in each state. See a licensed agent for detailed information on your state. Zane Benefits, Inc. does not sell health insurance. None of this information should be taken as legal or tax advice.