What you need to know

Claims Overview

Medical Claims

Review

When you receive a medical bill:

Match the bill with your insurance explanation of benefits (EOB). Tip Find the correct EOB by matching date of service and total charged amounts (See below for online access to EOBs).
Review for Balance Billing. Compare Patient Responsibility amounts listed on the bill and insurance EOB. If the bill states you owe more than the EOB lists as your responsibility amount = Balance Bill. This bill needs to be sent to your primary insurance for Balance Bill review. (See below for your specific insurance information)
Gap Submission. If your plan includes gap coverage, make sure your medical providers/facilities have both your primary and gap insurance cards. Billing offices will submit claims to your primary insurance first. Once they have the primary's EOB, they should submit to gap.
Submitting Gap on Your Own. Send the bill and EOB to your gap coverage carrier (See below for your specific coverage instructions). Sample Bill - Sample 1500 Form - EOB Samples EOB or EOB

Allied National Balance Bill
Freedom Plan

EOB access:
Create account of Log In
Balance Bill:
Call Allied National's Elite Experience team at 866-332-1987 or select the button below to email a copy of the bill directly to the Elite Experience Team.

Submit Balance Bill
Allstate-Allied Balance Bill

EOB access:
Create Account or Log In
Balance Bill:
Call the Member Advocacy Team (MAT) immediately 888-306-0905
Sample & How to Read Allstate-Allied EOB

Call MAT
Trustmark Balance Bill

EOB access:
Create Account or Log In
Balance Bill:
Complete this FORM
Click the button below to email the form and a copy of the bill directly to Trustmark.
Questions? Call 800-522-1246, ext. 26300

Submit Balance Bill
Loomis Gap

Submit a Claim:
Submit a copy of your bill and EOB by fax or mail. Instructions may also be found on your gap card.
Fax: 610-374-6986
Mailing Address: Madison National Life Insurance Company Inc, PO Box 13668, Reading, PA 19612-3668
Morgan White Gap

Submit a Claim:
Click the button below to email a copy of the bill and EOB directly to MWG.
Questions? Call 888-888-2519

Submit Gap to MWG
OptiMed Gap

Create Account or Log In
Submit a Claim:
Click the button below. Complete the online form and attach a copy of your bill and EOB.
Questions? Call 800-482-8770 or Email OptiMed

Submit Gap to OptiMed
Sun Life Gap

Create Account or Log in
Submit a Claim:
Complete this FORM
Click the button below to email Sun Life the form, bill, and EOB.
Questions? Call 800-648-8624

Submit Gap to Sun Life

What you need to know

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