Claims Questions

To learn more about the claims process for your specific plan, please preview the plans below. If you still have questions call 800.800.1397 ext4 or email.

Premium Saver Claims Information
Let the Provider file the claim. This is the easiest and best way to receive benefits.

MWG will send insurance cardholders for each employee. All the insured has to do is put their Major Medical and Premium Saver insurance cards in the cardholder and hand the cardholder to the provider. Most providers will file the claim on behalf of the policyholder because the benefits are paid directly to the provider. Guidelines and a claims assistance phone number are printed on the cardholder. On the back of the group application, MWG requests a list of the providers the group expects to use. MWA Administrators will send a letter to each provider explaining how to file claims.

If the insured files the Premium Saver claim they should follow these steps:

  • File the claim against the major medical carrier.
  • The major medical carrier will provide the insured with an EOB (Explanation of Benefits), which will explain the amount applied to their deductible and coinsurance.
  • The insured should ask the doctor or hospital to provide them with an itemized bill (UB92 or HCFA 1500), which will explain the medical provider’s charges.
  • Send the EOB and the itemized bill from the medical provider to Morgan-White Administrators.

Group Accident Plan Claims Information
No claims form is required. Just send the EOB from the underlying Major Medical carrier along with the UB92 or the HICFA 1500 from the provider.

Let the Provider File the Claim.
Many hospitals will file your claim for you if you present them with your SUPPLEMENTAL insurance card along with your Major Medical insurance card.

Steps to follow if you file your ACCIDENT Plan claim:

  • Your claim is filed against your major medical carrier.
  • Your major medical provider will provide you with an EOB (explanation of benefits), which will explain the amount applied to your deductible and coinsurance.
  • Ask your doctor and/or hospital to provide you with an itemized bill (UB92 or HCFA1500), which will explain the medical provider’s charges.
  • Send the completed claim form, the EOB, and itemized bill from the medical provider to Morgan-White Administrators.

Affordable Medical Plan Claims Information
Reduce Medical Cost by Using an In-Network provider. Call Careington Member services for assistance 1-888-335-8222.

Ask the provider to file your insurance claim for you. This reduces your paperwork and your out-of-pocket expenses at the point of service. Many hospitals and doctors will file your AmFirst insurance claim for you. At the point of service give the provider your AmFirst Insurance Card and your Network Identification Card.

If you choose to file your own claim, ask your doctor and/or hospital to provide you with an itemized bill (HCFA 1500 or UB92) which will explain the medical provider’s charges. If you went In-Network make sure the provider gave you the In-Network discounts.

Send the Itemized bill (HCFA 1500 or UB92) to Morgan-White Administrators.

Med Gap Fund Claims Information
Each employee will receive a Med-Gap Fund™ I.D. Card. They should present this I.D. Card to the provider when they present their major medical insurance card. The provider first sends the claim to the major medical carrier to apply provider discounts, contract provisions, and credit towards the high deductible. Next, the provider or the employee (if applies) send the major medical EOB (explanation of benefits) to Morgan-White Administrators. MWA will process claims for payment based on the benefits the employer has selected for his employees. A toll-free phone number is provided on each Explanation of Benefits (EOB). Calls are accepted from anywhere in the continental U.S.