Help Center

Select your issue below to find solutions. If you still need help, submit a ticket and I'll get back to you.

Troubleshoot

Common Issues

Click on your issue to see step-by-step solutions. If these don't resolve it, you can submit a ticket below.

I Need a New ID Card

Lost, damaged, or never received

  1. 1
    Log in to your insurance carrier's member portal or mobile app. Most carriers let you view a digital ID card instantly.
  2. 2
    Look for a section labeled "ID Card," "My Card," or "Member Card." You can usually download or print a copy from there.
  3. 3
    To request a physical card by mail, look for a "Request New Card" option in the portal, or call the member services number on your carrier's website.

Most carriers offer instant digital ID cards through their app.

Still can't get your ID card?

Submit a Ticket

Find an In-Network Doctor

Search for providers in your plan

  1. 1
    Go to the Client Resources page and find your carrier in the "In-Network Provider Search" section.
  2. 2
    Click your carrier name to go directly to their provider search tool. Make sure you select the correct plan name when searching.
  3. 3
    Your plan name is on your ID card. Enter your zip code and the type of provider you're looking for (primary care, specialist, etc.).

Always verify with the doctor's office that they accept your specific plan before scheduling.

Need help finding a specific provider?

Submit a Ticket

Billing Issue

Unexpected charges or payment problems

  1. 1
    Log in to your carrier's member portal and check your claims history. Compare the Explanation of Benefits (EOB) to the bill you received.
  2. 2
    Verify that the provider billed the correct insurance. If you recently changed plans, the old information may have been used.
  3. 3
    If the charge is incorrect, call the member services number on your ID card. Have your EOB and the bill ready when you call.

Keep all medical bills and EOBs for your records.

Still dealing with a billing issue?

Submit a Ticket

Add or Remove a Dependent

Marriage, new baby, or dependent aging out

  1. 1
    Life events like marriage, birth, adoption, or divorce qualify as Special Enrollment events. You typically have 60 days from the event to make changes.
  2. 2
    Gather documentation for the event (marriage certificate, birth certificate, etc.) as your carrier will require proof.
  3. 3
    Contact me directly for this change. I'll handle the paperwork and make sure your plan is updated correctly.

Don't wait. You have a limited window after a qualifying life event.

Need to make a change to your plan?

Submit a Ticket

Coverage Question

What's covered under my plan?

  1. 1
    Review your Summary of Benefits and Coverage (SBC). This document outlines exactly what's covered, copays, deductibles, and limits. Find it in your carrier's member portal.
  2. 2
    For specific procedures, call your carrier's member services and ask for a pre-authorization or benefit verification before scheduling.
  3. 3
    Check if the service requires a referral from your primary care physician. Some plans (HMO) require referrals for specialist visits.

Preventive care services are covered at 100% on most ACA plans.

Still unsure about your coverage?

Submit a Ticket

Claim Denied

Insurance denied a claim or service

  1. 1
    Review the Explanation of Benefits (EOB) carefully. It will include a denial reason code and explanation of why the claim was rejected.
  2. 2
    Common denial reasons include: out-of-network provider, no pre-authorization, coding errors, or non-covered service. Verify the reason before next steps.
  3. 3
    If you believe the denial is incorrect, you have the right to appeal. Contact your carrier for the appeals process, or reach out to me and I'll help you navigate it.

You always have the right to appeal a denied claim.

Need help with a denied claim?

Submit a Ticket

Change My Plan

Switch to a different insurance plan

  1. 1
    Plan changes are typically only allowed during Open Enrollment (November through January) unless you have a qualifying life event.
  2. 2
    Qualifying life events include: marriage, divorce, having a baby, losing other coverage, moving to a new area, or changes in income.
  3. 3
    Contact me directly to discuss your options. I'll compare plans across all carriers to find the best fit for your updated needs.

I'll proactively reach out before each Open Enrollment to review your options.

Want to explore plan changes?

Submit a Ticket

Something Else

My issue isn't listed here

  1. 1
    Check the Client Resources page for guides, tools, and carrier links that might help.
  2. 2
    You can call me directly at (941) 949-7026 for urgent matters.

Submit a ticket with details and I'll look into it for you.

Submit a Ticket

Submit a Ticket

Still Need Help?

Fill out the form below with your details and a description of your issue. I'll get back to you as soon as possible.