Participants Participants

Your one-stop shop to find a provider, check the status of a claim and learn more about your reimbursement accounts.

Health and Dental Plans FAQ

An in-network provider is a healthcare professional who has agreed to provide services to your Plan at a reduced rate.

Click on the Button for “Health and Dental Provider Search.”  Search within the network that is indicated on your ID card.  You may also call the Lifetime Benefit Solutions Member Services telephone number on your ID card and a Customer Service Representative can assist you.  Please make sure to verify with your provider prior to treatment.

If you use an out-of-network provider, they have not agreed to provide services to your Plan at a reduced rate.  They may require full payment at the time of service, they may balance bill you, your out of pocket expenses may then be higher based on your Plan’s benefits and they may require you to file your own claims with Lifetime Benefit Solutions.

Under "Participants," click on the button for Health and Dental Services and click on the link to get to the secure portal to access your information. From here you can order a new ID card as well as print a temporary identification card. You may also call the Lifetime Benefit Solutions Member Services telephone number on your ID card and a Customer Service Representative can assist you.

An Authorization to Share Protected Health Information Form, which is located under Health and Dental Forms under the name "HIPAA Authorization Form" on this website, must be completed and submitted to Lifetime Benefit Solutions.

Providers can verify information through our Provider Web Portal, which is accessible here and by clicking "Claims Inquiry and Eligibility."  They may also contact Lifetime Benefit Solutions Provider Services at 1-315-448-9028 or 1-866-616-7216 Monday-Friday 8:00 AM EST to 5:30 PM EST, with alternating Fridays 9:00 AM EST to 5:30 PM EST.

This is a statement of how your claim was processed.  Check the “Remarks” section at the bottom of the EOB as this could indicate if you or your provider needs to supply additional information to Lifetime Benefit Solutions in order for us to process your claim.  Please retain this EOB for your records.  If you have any questions regarding your EOB, please contact Lifetime Benefit Solutions Customer Service at the telephone number on the back of your ID card.

This is an amount that is due to the provider from you.  This does not indicate if you have or have not already paid this amount to the provider.  Please contact your provider’s office to verify what, if anything, you still owe of this amount.

Under "Participants," click on the Health and Dental Services button and click on the link to get to the secure portal to access your information.  You can print duplicate EOBs for claims processed after January 1, 2015 after logging in.  You may also call the Lifetime Benefit Solutions Member Services telephone number on your ID card and a Customer Service Representative can assist you.

You will receive either an EOB showing what was paid and/or denied or you will receive a denial letter.

Read your EOB carefully to determine if you are required to supply any information.  Review your EOB to see if your claim was subject to cost-sharing, such as a deductible or coinsurance, if your claim exceeded a plan limit or the charges were for services not covered by your Plan.  If you still do not agree with the claim determination, you may appeal the decision.

The appeal process is explained on your EOB.  It is the process by which you or your physician (or both) can provide additional documentation to substantiate your claim.  Once all documentation has been submitted, received and reviewed against the Plan’s guidelines, Lifetime Benefit Solutions will send a letter indicating the decision.

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