Navigating Insurance Claims as a Military Service Member

Dealing with insurance companies is generally always a hassle. When you add in the extra layer of stress of also being on active duty and dealing with military insurance programs, the hassle only grows. This is why so many military members (and civilians!) rely on attorneys to navigate insurance claims on their behalf. At the Law Office of William Bruzzo, our team understands the challenges military members face in trying to advocate for the reimbursements, care, benefits, or financial compensation they are due. If you need an Orange County military injury lawyer to answer a few questions for you so you can best decide which path to take, we are happy to help.

7 Steps to File a TRICARE Claim

TRICARE is a government program that provides medical insurance for military personnel and their families. Filing a claim is necessary to get reimbursed for medical expenses. As an Orange County military injury lawyer, here are the steps we recommend you take to help you navigate the TRICARE claim process:

• Gather Documents: Collect all relevant documents, including receipts, medical records, and itemized bills. These documents will be required when filing your claim.
• Complete Claim Forms: Fill out the necessary claim forms provided by TRICARE. Make sure to provide accurate and detailed information to avoid any delays or denials.
• Submit Claims: Submit your completed claim forms and supporting documents to the appropriate claims address. Be sure to keep copies of everything for your records.
• Know Non-Network Providers: Non-network TRICARE providers may not file claims on your behalf. If you receive care from a non-network provider, you may be required to pay upfront and then request reimbursement from TRICARE.
• Care Received Overseas: If you receive care overseas, you will need to file your own claims. Make sure to follow the specific instructions provided by TRICARE for claims filed outside the United States.
• Utilize Network Providers: To avoid the hassle of filing claims, get treated at military hospitals or clinics and use network providers whenever possible. This ensures a smoother claims process and reduces out-of-pocket expenses.
• Referrals and Pre-Authorization: In some cases, you may need a referral or pre-authorization for certain medical services. Be sure to follow the appropriate procedures to prevent claim denials.

How to File a Life Insurance Claim with the VA

For military families, sadly, filing a life insurance claim with the VA is sometimes necessary. Here are the steps you need to take:

• Contact the VA: Notify the Department of Veterans Affairs (VA) as soon as possible after the death of the insured service member. You can call or visit their website to start the claim process.
• Get Your Documents Together: Collect all necessary documents, such as the death certificate, policy information, and proof of beneficiary relationship. These documents will be required when filing the claim.
• Complete Claim Forms: Fill out the VA’s life insurance claim forms. Be sure to provide accurate and detailed information to avoid any delays or complications.
• Submit Claims: Submit your completed claim forms and supporting documents to the VA. Keep copies for your records and make sure to follow up if you don’t receive a confirmation of your claim.
• Processing: The VA will review your claim and may request additional documentation or information. Stay in communication with them and provide any requested information promptly.

Tips for Filing Military Car Insurance Claims

In addition to health insurance and life insurance, you may need to file a car insurance claim. Here are some tips to make the military car insurance claim process smoother:

• Stay Updated: When moving, contact your insurer to update your policy with your new address. It is important to keep your information current to avoid any complications during a claim filing.
• Check Minimum Coverage Requirements: Different states may have different minimum coverage requirements. Before moving, ensure that your policy meets the standards of your new state to avoid any gaps in coverage.
• Inform Your Insurer: Make sure to inform your insurance company about your military status and the location of your vehicle. This information can help them provide you with the necessary coverage and ensure a smooth claims process.
• Know Your Rights: The Servicemembers Civil Relief Act provides important protections for car insurance during deployment. Familiarize yourself with your rights and make sure your insurer is aware of them as well.
• Ask About Military Discounts: Many insurers offer special military car insurance rates. Don’t hesitate to inquire about any discounts or benefits that may be available to you as a service member.
• Consider Storage Coverage: If you are deploying or leaving your vehicle unused for an extended period, consider reducing your coverage to comprehensive only. This can help save on premiums while still protecting your vehicle from theft, vandalism, or natural disasters.
• Lawyer Up: An Orange County military injury lawyer, like the Law Office of William Bruzzo, can assist with your claim, advocating for a fair pay-out on your behalf.
• Assign a Power of Attorney: Set up a power of attorney to handle insurance matters while you are deployed. This ensures someone can act on your behalf if any issues arise with your car insurance.
• International Assignments: If you are assigned to an international location, additional insurance coverage may be required. Consult with your insurance company to determine what coverage is necessary in other countries.
• Explore Usage-Based Insurance: Usage-based insurance programs can offer savings for safe drivers. These programs track your driving habits and can result in lower premiums if you demonstrate safe driving behavior.
• Review and Update Your Policy: Review your car insurance policy annually and update it after any life changes or moves. Regularly reassessing your coverage ensures you have the appropriate protection for your needs.

Need an Orange County Military Injury Lawyer?

At the Law Office of William Bruzzo, our staff handles many military injury cases in Orange County. With our extensive experience representing America’s military members in insurance claim disputes, we have a strong track record of getting more claims settled and at better pay-outs. We have a deep understanding of the insurance claim hurdles that military members deal with and will work tirelessly to protect your rights and secure the compensation you deserve. Contact our Orange County military injury attorney to schedule a consultation and let us provide the legal guidance you need during this hectic time.