Angle Health FAQs

Question 1

What is Angle Health?

Accepted Answer

Angle Health is a health insurance company that operates as a carrier, Managing General Underwriter (MGU), and Third Party Administrator (TPA). At Angle, we're building a modern health insurance company to bring quality, tech-enabled health plans to today's employers and employees. Healthcare is complex, but we're here to make it easy, affordable, and convenient.

Question 2

What does Angle do?

Accepted Answer

Angle Health is a full-stack health insurance carrier delivering comprehensive healthcare benefits for the modern employee. Our fully digital platform delivers a personalized member experience that centers around ease of use, personalization, and better access to care.

Question 3

What services are currently provided by Angle?

Accepted Answer

Angle Health offers a comprehensive suite of health benefits services. Members benefit from personalized, mobile-first engagement, access to a broad network of healthcare providers, on-demand pharmacy benefits, and concierge clinical management.

For employers and brokers, Angle Health provides fully customizable benefits packages, fast quoting, competitive pricing, and streamlined plan administration. Our digital-first platform provides easy access to modern healthcare services.

Question 4

What type of products does Angle Health offer?

Accepted Answer

Angle currently offers fully insured group medical plans. Our portfolio of PPO plans offers access to a broad network of physicians and hospitals.

Question 5

How does Angle's Health plan work?

Accepted Answer

When members enroll in our benefits platform, they will automatically be directed to programs specific to their care needs. A representative from the Access+ Care team will call members to complete a member health survey that will better personalize their benefits experience.

Additional programs may be unlocked upon completion of the health profile. These programs provide support, resources, custom solutions, and easy enrollment.

Question 6

What is a self-funded health plan?

Accepted Answer

A self-funded health plan is where employers take on the financial responsibility to provide healthcare benefits to employees, giving them more control over benefit design and savings but also exposing them to financial risks associated with healthcare claims.

Question 7

What is a level-funded health plan?

Accepted Answer

A level-funded health plan is a type of self-funded plan where you make regular monthly payments to cover expenses related to administration, claims processing, and stop-loss insurance.

Question 8

What is the difference between level-funded and self-funded health plans?

Accepted Answer

Self-funded healthcare plans operate on a pay-as-you-go basis, where employers assume the financial responsibility for providing healthcare benefits to their employees.

Level-funded plans establish a cap, known as stop loss, that limits the expenses employers might face while still taking the financial risk.

Question 9

Who's your typical client?

Accepted Answer

We've delivered comprehensive healthcare benefits tailored to startups and technology companies. If you're interested in easy access to care and personalized benefits for your group, don't hesitate to reach out to us.

Question 10

When will I get my ID card?

Accepted Answer

Members will receive access to their digital ID cards after they have enrolled and received welcome emails from Angle Health. Physical ID cards will arrive 10-15 business days following enrollment census submission.

Question 11

I don't have my insurance card yet, but I want to see a provider. What should I do?

Accepted Answer

You can download the Angle Health mobile app from the App Store or Google Play to access your digital ID card.

Question 12

How do I create an Angle Health digital account?

Accepted Answer

You can create an account at https://member.anglehealth.com/login or download the mobile app from The App Store or Google Play.

Question 13

Why do I need to create an online Angle account?

Accepted Answer

An online account provides easy and convenient access to claims and benefits information, as well as locate in-network providers/facilities. Additionally, the mobile app offers a chat option with the Angle Health Care Team for assistance, and even enables 24/7 access to our telehealth partner, Doctor on Demand.

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Question 14

Where can I see my benefits in my account?

Accepted Answer

Once logged in to the member portal, the middle section will be titled 'plan details,' click on 'view plan details' hyperlink, which will then redirect to the 'My Plan' section of the portal.

Question 15

What is Explanation of Benefits (EOB)?

Accepted Answer

An explanation of benefits (EOB) is a statement that is sent by a health insurance company to the plan participant. This form explains the medical treatment and services that were paid for by the health insurance company on their behalf. The EOB describes the service performed, the fee from the medical provider, and the amount the patient is responsible for.

Question 16

What is a Deductible?

Accepted Answer

A deductible is the out-of-pocket amount that a plan member is responsible for paying per year before the health plan will cover the cost of medical treatment. Check your plan document to see what your set deductible cost is and how much you pay for covered services after you meet the deductible.

Question 17

What is an In-Network Provider?

Accepted Answer

A healthcare professional, hospital, or pharmacy is considered in-network if that provider is a part of the health plan’s preferred providers. These providers generally offer a discounted rate to the plan participant as negotiated by the insurance company.

Be aware – your in-network doctor or hospital may be out-of-network for some services. Plans use the term in-network, preferred, or participating for providers in their network. See your plan to review how different providers are covered.

Question 18

How can I check the status of a claim?

Accepted Answer

You can log into your portal or use the Angle Health app to check the status of your claim.

Member Portal

Once logged in to the member portal, “Recent Claim” will be displayed, click on “View All” to display all claims

Question 19

Where do I find information about my deductible?

Accepted Answer

You can find information about your deductible by logging into the member portal at member.anglehealth.com.

Question 20

How can I find a provider that is in-network?

Accepted Answer

By utilizing the Angle Health member portal, you can easily locate providers depending what network you are on. Visit the following link to get started: https://www.anglehealth.com/network-directories

Question 21

What is an itemized bill?

Accepted Answer

An itemized bill has the cost of every good or service purchased rather than the total cost.

Question 22

How do I access my ID card?

Accepted Answer

With Angle Health, accessing your digital ID card is easy! You can find it on our mobile app and share it with your provider's office.

Question 23

What is a Co-Pay?

Accepted Answer

A co-pay is the payment you make for medical visits and/or prescriptions in addition to what your health plan will pay.

Question 24

What is a Provider Network?

Accepted Answer

A provider network is a group of healthcare professionals who have joined together to offer services at a contracted rate. If your plan works with a specific network, those providers are designated 'in-network.'

Question 25

What is Coinsurance?

Accepted Answer

Coinsurance is a form of cost sharing between the plan participant and the health plan. The participant pays a share of the payment made against the claim, usually represented in a percentage.

Question 26

What is an Out-of-Pocket Max or Limit?

Accepted Answer

An out-of-pocket maximum is the most the participant will pay for covered services within a plan year. After you meet your out-of-pocket maximum meeting copayments, coinsurance, and deductibles, your plan pays 100% of the cost of covered benefits. Check your plan document to see what medical payments are included in your out-of-pocket limit.

Question 27

Can I tailor Network, PBM, and Cost Share?

Accepted Answer

Yes, you can build custom benefits packages down to the coverage and cost-sharing level, tailored to each group, and get a firm quote within minutes. Access national & regional PPO networks, PBMs with AWP-minus & NADAC pricing with assistance and international solutions.

Question 28

Can I customize plans according to a specific group's needs?

Accepted Answer

Yes. Our self-serving benefits platform, Benefit Builder, provides the tools you need to tailor plans to your clients' needs and get a quote quickly. You can add point solutions and other benefits to round out your offering, and your clients will see the impact in real time.

Question 29

What tools or resources does Angle provide to help brokers effectively market and promote their benefits services to clients?

Accepted Answer

For more information about tools and resources for brokers, visit the Broker page or contact sales@anglehealth.com.

Question 30

As a provider, how can I check the status of a claim?

Accepted Answer

You can check the status of a claim at https://claims.anglehealth.com. From there, enter your NPI or tax ID number and claim number to get the most up-to-date information. If you don't have the claim number readily available, please enter additional claims details including the billed amount, member's Angle ID number, member name, and member's date of birth. Troubleshooting Tips: Having issues finding a claim in our online tool? Please make sure you're entering the correct member information. All Angle ID numbers should either be 7 or 9 numerical digits.

Question 31

Why was my claim denied?

Accepted Answer

For information about why your claim was denied, please contact providers@anglehealth.com.

Question 32

How can I check the eligibility status of a member?

Accepted Answer

You can check the eligibility status of a member at https://eligibility.anglehealth.com/.

Question 33

How can I get a check reissued?

Accepted Answer

In order to reissue a check, we must confirm that the original check has not been cashed. If the check is still outstanding or has been stale-dated past the six month timeframe, we'll need to confirm your current remittance address. If the address on file does not match the one you provide, a W-9 form from your office will be required to update our records. Once the W-9 has been received, we can proceed with reissuing the check.

Question 34

How do I start a prior authorization for a member?

Accepted Answer

For First Health Network, visit https://www.anglehealth.com/pre-authorization. For Cigna Network and MPCN, please contact the appropriate authorization channels.

Question 35

How can I tell which services require a pre-authorization for a particular member?

Accepted Answer

Please call Care Team 855-937-1811 to confirm if prior authorization is required.

Question 36

How can I update my practice information, such as address, contact details, and specialties?

Accepted Answer

You can update your practice information through the network directory.

Angle Health Announces Series C Financing at a $2.7B Valuation

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