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What is Angle Health?

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.

What does Angle do?

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.

What services are currently provided by Angle?

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.

What type of products does Angle Health offer?

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

How does Angle’s Health plan work?

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.

What is a self-funded health plan?

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.

What is a level-funded health plan?

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.

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

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.

Who’s your typical client?

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.

When will I get my ID card?

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.

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

Download the Angle Health member app on the App Store or Google Play to access the digital member ID card, or register for the Angle Health member portal to print out a PDF copy of the member ID card.

How do I create an Angle Health digital account?

Go to our website: https://member.anglehealth.com/login and select the option to “create an account” or download the mobile app from The App Store or Google Play

Why do I need to create an online Angle account?

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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Where can I see my benefits in my account?

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.

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What is Explanation of Benefits (EOB)?

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.

What is a Deductible?

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.

What is an In-Network Provider?

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.

How can I check the status of a claim?

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

Where do I find information about my deductible?

In the “My Plan” section of the portal, the deductible will be under the “Your plan at a Glance” headline.

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

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

What is an itemized bill?

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

How do I access my ID card?

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.

What is a Co-Pay?

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

What is a Provider Network?

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.’

What is Coinsurance?

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.

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

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.

Can I tailor Network, PBM, and Cost Share?

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.

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

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.

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

You can visit our Broker page for more information or email us at sales@anglehealth.com.

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

To get the most up-to-date status on a recent claim please the Provider Claims Status tool 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.

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‍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.

Why was my claim denied?

There can be a variety of reasons for a claim denial, which are listed on the Explanation of Payment (EOP) or otherwise known as Remittance Advice (RA) sent to providers. If you do not have a copy of the EOP/RA, please contact the Care Team via phone or email providers@anglehealth.com to obtain a copy.

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How can I check the eligibility status of a member?

Visit our eligibility tool to confirm eligibility: https://eligibility.anglehealth.com/

Note: Member first and last name, date of birth and Angle Member ID are required.

How can I get a check reissued?

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.

How do I start a prior authorization for a member?

First Health Network: If your patient is a member on the First Health Network, submit a prior authorization request on our website at https://www.anglehealth.com/pre-authorization

Cigna Network: Please call Care Team 855-937-1811 to be warm transferred to the authorization team. (Note: this is an internal transfer and there is no direct number to contact the authorization team.)

MPCN: If your patient is a member on the MPCN Network, call MedWatch 7 to 10 days before the hospitalization/ treatment, or within 48 hours of an emergency admit at 800-432-8421 or initiate the authorization request online at www.urmedwatch.com.

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

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

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

You can update your practice information in our network directory.

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