Are certain doctors or hospitals "preferred providers?" under my plan?
If you are studying in the US, your least expensive option will usually be to visit the student health center at your school. If you need to see a doctor outside your health center, or you need to visit a hospital, you are likely to receive greater insurance benefits if you search for a doctor online using the GGH Students website, which will direct you to a network of physicians chosen specifically for your area/state. As a result of GGH's partnerships with industry leaders like Blue Cross of California, GGH students have access to doctors and hospitals throughout the U.S. Be sure to check the details of your plan to understand whether your insurance coverage varies depending on what doctor or hospital you visit.
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How do I renew or extend my insurance coverage?
For group plans purchased online: If you purchased and enrolled in your school's group plan directly on the GGH Students site using a Group Access Code, your group may be set up for online renewals. You will need to enter the Access Code on the home page of gghstudents.com again. If you are signed in to the site, you must first click 'Not You' to be able to view the Access Code entry area on the home page. After you enter the code and continue through the Group agreement page, the subsequent screen will allow you to indicate that your purchase is a 'Renewal' -- if your group plan includes this option. If the 'Renewal' option does not appear, you should contact your advisor or administrator about renewing.
For group plans where online enrollment is not offered: If you are a member of a GGH Benefits group-sponsored plan and you were not required to buy the insurance on gghstudents.com, your advisor or administrator will handle the renewal of your coverage.
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How do I notify GGH Benefits if my contact information or address changes?
You may review your name, address and other information in the My Benefits section of gghstudents.com. To make changes, please contact GGH Customer Service through email or by calling 888.850.4770 or 610.254.8790.
Remember, you'll need your certificate number (which you can find on your ID card) to sign in to GGH Students for the first time. Lost or forgotten passwords -- click here.
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How can I contact GGH Benefits about a claim?
GGH Students provides online access to Claims information for registered participants (to learn more about registering for the site, read the FAQ). You may also call 888.850.4770 or 610.254.8790 to speak with a Customer Service Representative or contact us by email, being sure to reference your name, school and the date of injury/loss.
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My claim was denied. Is there a grievance procedure?
Within 60 days, you may request, in writing, a review of any denied claim. All requests for review must specify why you believe the denial was made in error. Whenever possible, requests should attach supporting documentation (for example, medical bills and/or correspondence.) Send correspondence to: GGH Benefits, c/o BC Life & Health Insurance Company, P.O. Box 60007, Los Angeles, CA 90060-0007. We respond to such requests within 10 business days of receipt.
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How do I submit (file) a claim?
Participating students can access claim forms and submission information on the GGH Students site. Claim forms should be completed fully, and only original bills are accepted. Printed claim forms may be sent to GGH Benefits, c/o BC Life & Health Insurance Company, P.O. Box 60007, Los Angeles, CA 90060-0007.
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How long will it take for my claim to be paid?
GGH Benefit's goal is to process all claims within 10 business days of receipt of the claim.
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What type of insurance companies does GGH Benefits work with?
GGH Benefits works exclusively with A.M. Best 'A' rated insurance carriers in order to ensure that participants' claims are paid in a timely and accurate manner. The carriers we work with include some of the oldest, most experience insurers in the U.S.
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