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Pre-approval may help keep costs down

Some services or hospital stays may require pre-approval to avoid additional out-of-pocket costs. If your service requires pre-approval or you think it may, call the phone number on the back of your ID card to get the pre-approval process started.

Submit your claim

Submit the form to get reimbursed for covered care or prescription drugs received from an out-of-network provider. Work with your doctor to fill out the form.

Claim Form PDF File

If your claim is denied

Claims may be denied for a number of reasons. If you have already reviewed your Explanation of Benefits (EOB) and don't fully understand the reason for the denial, you can contact Customer Service so we can review it and explain the reason why.

File a claims appeal for review by Wellmark

If you disagree with a benefit decision, you may use this form to request a review by Wellmark.

Written appeals must be filed within 180 days of the date of the decision. If the situation is medically urgent, your doctor can call to make a verbal appeal.


File Iowa Appeal PDF File File South Dakota Appeal PDF File

File a request for external review

You may have the right to request a review by an independent organization.

If you have gone through your options to appeal a denial of coverage or benefits and disagree with the decision, your written notice will tell you if an external review is available. An external review may not be available for all members or for all types of claims and is not available for Medicare supplement plans or most dental plans.

An expedited external review process is available if you have a medical condition where a delay in treatment could seriously jeopardize your health, life or ability to regain maximum function.