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Administration/Claims

  1. What PPO networks does HTH Worldwide use and how can I locate participating providers in my area?
  2. When does my group plan renew?
  3. How is my group program renewed each year?
  4. What documentation will I receive when I choose an HTH Worldwide group plan?
  5. When will I be invoiced for my submitted rosters?
  6. May I set up a regular schedule of invoicing? (i.e. weekly, monthly, etc.)?
  7. Where can I get help with ID card questions?
  8. How can I check the status of my group's ID card delivery and/or participant enrollment?
  9. How do I notify HTH Worldwide if my contact information or address changes?
  10. When will I receive my participants' ID cards?
  11. How can I request an additional supply of voluntary brochures for my students?
  12. What is claims/loss experience?
  13. How can my program participants contact HTH Worldwide about a claim?
  14. My student's claim was denied. Is there a grievance procedure?
  15. How can my participants submit (file) a claim?
  16. How long will it take for my participants' claim to be paid?
  17. Which insurance company does HTH Worldwide use to offer my coverage?
  18. When are the open enrollment periods for voluntary plans?

What PPO networks does HTH Worldwide use and how can I locate participating providers in my area?

HTH uses several national Preferred Provider Organizations (PPOs), one of which has been carefully selected for your group plan to ensure optimum choice and coverage based on your geographic local. A complete listing of providers can be found under the Doctor Search tab on the www.hthstudents.com website, which can be accessed directly from hthadvisors.com.

When does my group plan renew?

We renew all plans each year on their anniversary date. For your specific renewal date, please consult with your Account Executive. If you desire an earlier review of your account, please contact your Account Executive.

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How is my group program renewed each year?

Generally, several months prior to your plan's anniversary, your Account Executive will contact you to discuss the performance of the plan, whether the plan is being appropriately utilized, program information for the coming year and any significant claims. Loss experience, program structure and rates will also be discussed at this time.

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What documentation will I receive when I choose an HTH Worldwide group plan?

Your new account documentation will include a proposal, which describes the coverage terms and rate, accompanied by a Specifications Form. These documents will serve to confirm the program's terms and will serve as your authorization for the specified plan. Upon receipt of the signed authorization and in advance of the participants' arrival, we will provide your plan's certificates of insurance, identification cards, benefit summaries and claim forms, with instructions, to your office. Distribution of these materials varies from one client to another and may be negotiated/determined with your Account Executive. In addition, using HTH Worldwide's new online tools, sponsors will have complete control over the timing and quantity of fulfillment material distribution.

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When will I be invoiced for my submitted rosters?

HTH Worldwide generally sends invoices following each submitted roster. You may track all invoices in the Invoicing section of the site.

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May I set up a regular schedule of invoicing? (i.e. weekly, monthly, etc.)?

Yes. HTH Worldwide will provide periodic billing in most cases. These options should be discussed in detail with your Account Executive.

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Answers to common ID card related questions found here.

How can I check the status of my group's ID card delivery and/or participant enrollment?

HTH Worldwide will process your roster as soon as possible and have your ID cards in the mail shortly after our receipt of the roster. For specific questions, you may contact our administration department at 1.800.394.2500 or by email.

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How do I notify HTH Worldwide if my contact information or address changes?

You may update your name, address and other information in the My Profile section of the web site. If you do not know your username and password, please contact your Account Executive by email, by filling out this simple form or by calling: 1.844.268.2686.

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When will I receive my participants' ID cards?

HTH Worldwide will process and ship ID cards as soon as possible after receipt of your roster.

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What is claims/loss experience?

Claims or loss experience is the ratio of losses under a program to the premiums paid. This, among other information, is used in determining the rate for a group plan.

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How can my program participants contact HTH Worldwide about a claim?

HTH Worldwide provides online access to claims information and will later implement electronic filing and status updates. Students should visit www.hthstudents.com to access this information. Participants may also call 1.888.350.2002 to speak with a claims examiner or contact them by email, being sure to reference his or her name, sponsoring organization and date of loss.

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My student's claim was denied. Is there a grievance procedure?

Within 60 days, insureds may request, in writing, a review of any denied claim. All requests for review must specify why the insured believes the denial was made in error. Whenever possible, requests should attach supporting documentation (i.e. medical bills/correspondence.) Insureds should send an email to studentclaims@hthworldwide.com or write to: HTH Worldwide Insurance Services, Claims Department, PO Box 968, Horsham, PA 19044 or by fax at 888.250.4121. We will respond to such requests within 10 days of receipt.

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How can my participants submit (file) a claim?

In the near future, participants will be able to file claims directly online at www.hthstudents.com in the 'Claims' section. Sponsors can gather more information about filing claims in the Claims section of HTH Advisors where claims forms and specific instructions may be viewed and/or downloaded. Claim forms should be completed fully and only original bills are accepted. Printed claim forms may be sent to HTH Worldwide Insurance Services, Claims Department, PO Box 968, Horsham, PA 19044 or by fax at 888.250.4121.

How long will it take for my participants' claim to be paid?

HTH Worldwide's goal is to process all claims within 10 days after receipt of the claim.

Which insurance company does HTH Worldwide use to offer my coverage?

HTH Worldwide's policies are written through UNICARE Life & Health Insurance Company, a WellPoint company, and is rated A- (Excellent) by A.M. Best. WellPoint is the nation’s largest health care company serving millions of members.

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When are the open enrollment periods for voluntary plans?

HTH Worldwide allows voluntary enrollments at any time during the calendar year.

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