Submitting claims

Explanation of benefits

If you have a financial responsibility after you use your health plan for a covered service, you will be issued an explanation of benefits (EOB). Your EOB is not a bill. It is a breakdown of services used, amount charged by the provider and your financial responsibility to pay toward deductibles or co-insurance. You can see your prior EOB documents any time by logging in to your WellFirst Health account.


Making payments

Paying your insurance premium

If you are a WellFirst Health individual and family plan member and your premiums are not auto-withdrawn from your paycheck, you have access to a number of convenient ways to pay your monthly premium. We can accept online payments as well as payment through the mail.


Paying for medical services

When you are seen at a clinic location for services, you will often have the option to pay an applicable copay upon check-in. Your clinic will bill you for any deductibles for which you may be responsible. The clinic will send you a bill for any copay charges not paid at the time of service or any coinsurance for which you are financially responsible. When you receive a bill this way, you may send in a check or provide your credit card information on the payment form and send it back to us. You may also make the payment online through MyChart.


How to submit a claim

In most cases, claims are submitted directly to WellFirst Health by the providers or clinics. On occasion, if you’re traveling out of the area or have a college-age dependent, for example, it may be necessary for you to submit a claim for reimbursement (PDF). When submitting the claim, be sure to follow these guidelines:

  • Send an itemized bill from the provider of service. If services were received outside of the U.S., you will need to submit the original bill along with an itemized bill that has been translated into English and indicate the appropriate currency exchange rate at the time the services were received.
  • Send the bill within 60 days after the services are received to: WellFirst Health, Attn: Claims Department, P.O. Box 56099, Madison, WI 53705.

If you have another insurance company that is the primary payer, you will need to send the EOB to WellFirst Health or your health care provider.