IMPORTANT: Even as postal services resume, delays in mail delivery are expected. Access your benefits online. Visit our guide for help.


Winter break: Our offices are closed December 25, 2024 - January 1, 2025. Regular hours resume January 2, 2025. Our member site and app are available 24/7.

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Our approach

Strict
policies

We have policies when it comes to benefits fraud.

Robust
systems

We apply rigorous controls when we process claims. We also use machine learning and advanced analytics to track claim patterns, which alert us when something looks suspicious.

Knowledgeable
experts

Our dedicated audit and investigation team evaluates claims and looks for atypical claim patterns.

Strong relationships with external partners

We work with health care providers, plan sponsors, advisors and members to prevent and minimize instances of fraud.

We don’t just react to fraud—we take an integrated and proactive approach to prevent it.

Our zero-tolerance policy means that anyone caught committing benefits fraud or abuse will face the proper penalties.

We investigate and pursue all cases of suspected fraud. From fraud education to advanced analytics to trained professionals, we take every step possible to protect your benefits and our integrity from those who seek to commit fraud.