Q. Do I need to file a claim with Thrivent Financial?
A. Claims for both Part A and Part B Medicare supplement insurance benefits now can be filed electronically with Thrivent Financial. Health care providers need to file the claim with Medicare, which then files the claim electronically with Thrivent Financial. In most cases, you no longer need to submit an Explanation of Medicare Benefits (EOMB) or a paper claim with Thrivent Financial. However, if you do not receive notification from Thrivent Financial within three weeks of your receipt of an EOMB for a claim, please submit a billing statement and the corresponding Medicare Summary Notice to Thrivent Financial. It is helpful to include your Thrivent Financial contract number on all correspondence to avoid unnecessary delays.

Q. How do I file a claim with Thrivent Financial?
A. Advise your health care provider that your Thrivent Financial Medicare supplement insurance includes benefits that supplement both Part A and Part B Medicare charges. Show your Medicare supplement identification card to your health care provider and your provider will notify Medicare that you have Thrivent Financial Medicare supplement insurance coverage. After Medicare has processed your claim, Medicare will file it electronically with Thrivent Financial.

Q. Are there any claim forms that I need to complete?
A. No. In most states, claims are received directly from Medicare Part A and B with all the information that is needed to process them. If additional information is needed, we will contact either you or your health care provider directly.

Q. Is there a time limit for filing a claims?
A. Claims should be filed as soon as reasonably possible. In most states, claims must be filed within one year from the time proof of loss is required, unless you are legally incapacitated.

Q. Do my hospital stays need to be pre-certified?
A. No. Thrivent Financial Medicare supplement insurance contracts do not require pre-certification for inpatient hospital stays.

Q. What information will I receive when Thrivent Financial processes a claim?
A. You will receive a Claim Payment Summary for Medicare Supplement insurance along with each payment. The summary identifies the provider, the date and description of service, the total charge and the Medicare-approved amount. If you have authorized payment of your Medicare supplement insurajnce benefits to your health care provider, payment will go directly to your provider and you will receive a Claim Payment Summary. If there are expenses that aren't covered by your Thrivent Financial Medicare supplement insurance contract, an explanation will be provided to you.

All payments are made payable to you, the insured, unless you sign an agreement with your health care provider authorizing Thrivent Financial to pay the provider directly. If Thrivent Financial pays the provider, it will be indicated on the Summary.

Q. How will Thrivent Financial Prescription Drug Program enhance the value of my Medicare supplement insurance?
A. Thrivent Financial has contracted with Express Scripts to deliver a value-added service to you. Express Scripts is a national company that has provided top-quality pharmacy management services for nearly two decades. By combining the purchasing power of more than 26 million network participants, Express Scripts has negotiated preferred pricing for many prescription medications. This program is offered in addition to any prescription drug benefits you may have purchased under your Thrivent Financial Medicare Supplement Insurance Contract. Whether you have prescription drug coverage under your Thrivent Financial Medicare supplement insurance or not, Thrivent Financial Prescription Drug Program is an additional benefit for you. Also, if your Medicare supplement insurance certificate covers prescription drugs and you present your Thrivent Financial Prescription Drug Card at a participating pharmacy, your claim will be filed electronically from Express Scripts to Thrivent Financial. If your contract covers prescription drugs and you do not have an Express Scripts participating pharmacy near you, please periodically submit your prescription drug claims directly to Thrivent Financial.

Q. How do I use Thrivent Financial's Prescription Drug Program to my advantage?
A. Present your Thrivent Financial Prescription Drug card at any of the 53,000 Express Scripts participating pharmacies and you will receive a preferred price on many of your prescription medications. When you use your card to purchase medications, your out-of-pocket prescription drug costs may be reduced. However, some pharmacies routinely offer discounts on certain high-volume medications. For these items, your Express Scripts preferred price may not be less than the discounted price. Consult with your pharmacist to ensure that you receive the best price. Just call the toll-free number listed on the back of your Thrivent Financial Prescription Drug Card, (800-557-3959), to locate an Express Scripts participating pharmacy near you.

Q. How can I contact Thrivent Financial with questions about my Medicare supplement insurance claim?
A. You can contact an Thrivent Financial Medicare supplement insurance claim representative by sending an e-mail to mail@thrivent.com, attention Medicare Supplement Insurance Claims, or call 800-THRIVENT (800-847-4836) and ask to speak with a Medicare supplement claims representative. As always, your Thrivent Financial representative is also available to answer any questions you may have.