Services

Services

Guiding you through the insurance solutions you need and minimizing your financial risk exposures is our objective.  Allow our insurance experts to serve your needs with our superior insurance products.  

ART Risk Solutions provides comprehensive insurance management for each part of the journey.  Whether you are a Surrogate in need of an Affordable Care Act (ACA) policy, an Intended Parent needing advice about what policies are necessary to best cover yourself, or an agency looking to utilize our Claims Management service for all your clients’ journeys, we can help.  Listed below are the ART Risk Solutions Service Level descriptions designed to ease the process.  Our dedicated staff will be your guide throughout each step of the process.

ART Risk Solutions Service Levels

LEVEL ONE - INSURANCE VERIFICATION

  • Communication with Agency, Intended Parent, and/or Surrogate to retrieve all items needed to complete the Insurance Verification.
  • Review of full Evidence of Coverage.
  • Phone call to the insurance company.
  • Written professional opinion of policy coverage provided to all appropriate parties within (5) business days of receipt of all requested information to complete Insurance Verification.
  • Consult with Intended Parent(s).
  • ART Risk Solutions Insurance Verifications services comply with California Family Code Section 7962.

LEVEL TWO - ACA POLICY MARKET SEARCH*

*Available only to current clients who have placed an ACA plan through ART Risk and is currently active (paid and current through December 31).

  • Initial Consultation – our broker gets to know your situation.
  • Plan Research – finding the best options for your Surrogate.
  • Written proposal of possible insurance options.
  • Second Consultation – discussion of plan options and financial/ coverage implications.
  • One-on-one help for the Surrogate through the application process.
  • Confirmation of coverage is emailed to all appropriate parties.
  • Confirmation of first and second month’s premium being applied to account through preferred payment method.

LEVEL THREE - POLICY PLACEMENT

Available to all interested clients who did not place an ACA plan through ART Risk and is currently active.

  • Initial Consultation – our broker gets to know your situation.
  • Plan Research – finding the best options for your Surrogate.
  • Written proposal of possible insurance options.
  • Second Consultation – discussion of plan options and financial/coverage implications.
  • One-on-one help for the Surrogate throughout the application process.
  • Confirmation of coverage is emailed to all appropriate parties.
  • Personalized consultation and assistance throughout the application process.
  • Confirmation of first and second month’s premium being applied to insurance carrier account through preferred payment method.

LEVEL FOUR POLICY - PLACEMENT & MONTHLY MANAGEMENT

All Level Three items are included for those that enroll in the Level Four service level. The following is also included:

  • One (1) Insurance Verification for one policy – if additional policies need review, there would be an additional fee to that of the Level Four service fee.
  • Third consultation – discussion with any party who wishes to discuss chosen plan.
  • Monthly policy check – ensuring policy remains in force and assist in resolving potential issues with payments.
  • Personalized assistance throughout the entire journey.
  • If filing a grievance or appeal with the insurance carrier is necessary, our Escalations Team will complete this process and provide outcome results to appropriate parties.
  • Service is complete when agency contract ends with Surrogate.

LEVEL FIVE - MEDICAL CLAIMS MANAGEMENT

All Level Four items are included for those that enroll in the Level Five service level.  The following is also included:

  • Determination of Coordination of Benefits.
  • Review Explanation of Benefits from the insurance company.
  • Contact insurance company to determine Coordination of Benefits and concerning claims issues.
  • Complete tasks necessary to resolve all claims issues.
  • Communication with providers concerning billing issues and work to resolve issues.
  • Communication with Surrogate and agency to ensure ART Risk has received all bills.
  • A hands-on approach for all bills and claims to ensure they are processed correctly and according to the plan benefits.
  • A comprehensive, final report is provided when all claims and bills have been processed.