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How to obtain medical benefits

You have no claims to file when you use in-network providers. If you are enrolled in the Out-of-Area plan or if you are enrolled in either PPO plan and use out-of-network services, you may be required to file a claim.
If you need to file a claim, contact your Benefits representative or UnitedHealthcare for a claim form. You can also obtain a claim form online at Read the claim form instructions carefully, and fill out each section of the form that applies to you. Be sure to answer all questions and attach all materials specified to ensure complete processing of your claim.
Health statements
You will receive a Health Statement as an explanation of benefits (EOB) in the mail each month that UnitedHealthcare processes at least one claim for you or a covered dependent. Health Statements make it easy for you to manage your family's medical costs by providing claims information in easy-to-understand terms.
If you would rather track claims for yourself and your covered dependents online, you may do so at You may also elect to discontinue receipt of paper health statements by making the appropriate selection on this site.
If your claim for benefits is denied, you have the right to appeal the denial. If you wish to file an appeal, follow the instructions outlined in the Medical and Rx claims procedures section.