Where Can You Claim Your Health Insurance?

Health insurance is meant to cover a person from the risk of incurring medical costs either fully or partially. Depending on the limits, the insured party may need to pay for the charges once the maximum payment has been made.

Fuhriman Insurance Agency, located in Boise, ID, recognizes the importance of a good health insurance. We give our clients personal agents that they can reach anytime.

 The method of submitting a claim influences the parties that will be involved. The following are some of the places you can claim your health insurance.

  • To The Insurer’s Local Branch

You may decide to send a mail or personally submit your claim form to your insurer. You will also be required to submit original itemized receipts from the insurance provider. An itemized receipt shows all the services offered by the doctor and how much each one costs.

  • Online

Most healthcare providers allow you to simply log into their websites or apps and make a claim. Depending on your insurer, you may be required to upload accounts and receipts or just the provider’s number, item code and cost. This method is fast and mostly automated.

  • The Hospital

When making a claim under hospital cover, the hospital submits your claim. Upon arrival at the hospital, you will be required to produce a membership card. From there, the hospital will submit your claim for you. In case the bill is more than the insurance covers, you will be required to pay the extra cost.

Fuhriman Insurance Agency provides custom policies for individual needs. We offer quality insurance products and satisfactory customer care. 

Visit us today in Boise, ID.

What Does Workers’ Comp Insurance Cover?

Workers’ Compensation Insurance is generally required for any business that has employees in Boise, ID.  It covers employees’ work-related injuries or illness, but it also extends beyond than just these instances.

Medical Cost for Immediate Injuries and Illness

Even when businesses put in measures to help prevent any workplace injury, accidents can still happen. If an employee is injured on the job and needs immediate medical attention, the policy will cover what the employee would be responsible for paying, which includes emergency room visits, ambulances rides, and any other medical bill.

Missed Wages

If the accident causes the employee to be out of work for a while, and the employer is required to pay for parts of their missing wages, workers’ comp can cover these and reduce the financial burden. Ask your insurance agent at Fuhriman Insurance Agency for guidance on whether the policy should cover a fixed amount or a percentage.

Ongoing Care

If the work injury is severe enough that is requires ongoing care, such as rehabilitation, businesses are covered. Even if the employee doesn’t come back to work, employers may still be required to provide care. Workers’ comp policies cover this.

Funeral Costs or Death Benefits

Sometimes work accidents can lead to an employee’s death, and the insurance coverage will pay for funeral expenses. Depending on the type of policy you have, it may also cover death benefits that would be paid to the dependents of the employee. Companies in high-risk industries offer these to maintain their quality workforce.

Legal Cost

If an employee sues the business for their injuries, a workers’ compensation policy with employee liability coverage will protect the business from the cost of the lawsuit.

Contact an agent at Fuhriman Insurance Agency serving Boise, ID to discuss workers’ compensation insurance and make sure your business is covered.