Each claim is different and processing times vary.

How long it takes to process a claim depends on these factors:

• How soon your doctor or hospital submits the claim.

Almost 80 percent of claims are received within 30 days from the date of service. In some cases though, it can take up to 60 days before your doctor or hospital submits a claim.

• How quickly we process the claim once we receive it.

More than 90 percent of claims are processed within seven days of receiving them.

• Whether you have gone to a non-network doctor.

If you have gone to a non-network doctor or hospital, two other factors may affect how long it takes to process your claim:

 o Whether the doctor or hospital requires partial or full payment at the time of service.

 o Whether the doctor or hospital can bill us directly or need you to submit a medical claim form.