To file for benefits under a Washington National supplemental cancer policy, download the Washington National cancer claim form from my.washingtonnational.com/forms, complete it with your doctor, attach a positive pathology report and itemized provider bills, and mail the package to PO Box 2024, Carmel, IN 46082-2024 or fax it to (317) 208-8656.1My Washington National. Contact Us – Section: Claims The insurer acknowledges received claims within ten calendar days, and most of the delays that trip up policyholders come from missing attachments rather than anything on the form itself.
Where To Get the Form
The form is posted in English and Spanish on Washington National’s online forms page. If you’d rather not download and print it, call (800) 525-7662 Monday through Friday, 8:00 a.m. to 5:45 p.m. ET and ask for a paper copy to be mailed.2My Washington National. Policy Service and Claim Forms The site sometimes shows an option to complete the form online, but that system has been intermittently unavailable. If the digital version gives you trouble, use the PDF.
What To Have Ready Before You Start
Gather these items first. Missing any one of them is enough to stall the claim:
- Your policy number, pulled from your certificate of coverage or any letter from Washington National. Write it on every page you submit.
- The claimant’s full legal name exactly as it appears on the policy, plus Social Security number for identity verification and tax reporting.
- The specific date of first diagnosis. This date has to fall inside your active coverage period.
- Name, address, and phone number for every doctor, hospital, and lab involved in diagnosis and treatment.3My Washington National. Cancer Claim Form
- The specific type of cancer (carcinoma, sarcoma, lymphoma, and so on) so the diagnosis can be matched against your policy’s definitions.
- A current mailing address that matches what the insurer has on file. A mismatch can trigger a verification hold.
The form contains a HIPAA authorization section that lets Washington National request your medical records directly from your providers. Federal privacy rules require this written permission before a covered entity can release protected health information to an insurer.4U.S. Department of Health and Human Services. Summary of the HIPAA Privacy Rule – Section: Authorized Uses and Disclosures Sign and date it. If you skip this signature, the claims team has no legal way to verify your records and the claim stops.
The Three Documents That Must Go With the Form
The form itself is only part of the package. Washington National is explicit about what has to be attached, and missing attachments are the single biggest cause of delays.3My Washington National. Cancer Claim Form
A Positive Pathology Report
Every initial cancer claim requires a pathology report confirming malignant cells. No pathology report, no benefit consideration. The report comes from the lab that analyzed your biopsy and should identify the specific type and characteristics of the cancer. Ask your doctor’s office or the lab for a copy if you don’t already have one; some facilities charge a small per-page fee, so request it early.
Itemized Bills From Each Provider
Washington National requires itemized bills from every provider. Summaries don’t count, and Explanations of Benefits from your health insurer cannot be used to support the claim.3My Washington National. Cancer Claim Form Each bill needs to show:
- Dates of service
- Procedure codes
- Diagnosis codes
- Charge amounts
Standard billing forms meet these requirements: CMS-1500 for physicians, UB-04 for hospitals. If you’re claiming radiation or chemotherapy benefits, the bill has to list each individual treatment date with its own charge. A single lump total for a treatment series will not be accepted.
The Attending Physician’s Statement
Your treating doctor completes the Attending Physician’s Statement section on the form. It asks for the date of the first symptom, the diagnostic tests used, and whether the cancer is a new diagnosis or a recurrence. Before you submit, check that your doctor’s dates line up with the dates you entered on your own portion. Discrepancies trigger additional scrutiny and slow everything down.
Where To Send the Package
Cancer claims go to Washington National’s “All Other Claims” department. You have two options:1My Washington National. Contact Us – Section: Claims
- Mail: PO Box 2024, Carmel, IN 46082-2024
- Fax: (317) 208-8656
If you mail, use certified mail or another trackable method so you have proof of delivery. Fax is faster for the initial submission, but confirm the transmission succeeded, because fax machines can silently drop pages. Either way, write your policy number on every page of every document. Washington National repeats this instruction in its FAQ for a practical reason: loose pages without a policy number can get separated from your file.5Washington National. Frequently Asked Questions
Keep copies of everything you send. If a document gets lost in transit or the insurer requests a resubmission, you don’t want to start over asking providers for records.
What Happens After You Submit
Washington National acknowledges receipt within ten calendar days. If two weeks pass with no word, call (800) 525-7662 to confirm the package arrived. The insurer says most policy service requests average 13 to 15 business days to process, though that varies with the circumstances of the claim.6My Washington National. My Washington National FAQs – Section: Claims Claims that require additional verification from providers take longer.
During the review, Washington National may contact you or your doctor for clarification. Respond quickly. Every round of back-and-forth adds days. If the insurer asks for a missing document, send it to the same address or fax number you used originally and reference your claim number in a cover note.
Washington National’s own form lists the top three reasons claims get held up, and all three are preventable:3My Washington National. Cancer Claim Form
- Missing itemized bills (summaries and health insurer EOBs do not qualify)
- Missing pathology report
- Bills that show dollar amounts without procedure or diagnosis codes
Check your package against this list before it leaves your hands.
The Waiting Period Catch
Many policyholders only find this out at claim time. If your cancer was first diagnosed before your policy’s effective date or within the first 30 days after it, Washington National will only pay benefits for losses that begin 24 months after your effective date of coverage. In New Mexico and Utah, that waiting period is six months. In Indiana and Oklahoma, the 30-day eligibility restriction doesn’t apply.7Washington National. Cancer Solutions Compare your diagnosis date against your policy’s effective date before you file so you know what to expect.
If Your Claim Is Denied
A denial letter should state the specific reason and spell out your appeal rights. Read it closely, because the stated reason tells you exactly what to fix or challenge. Common grounds include a diagnosis that falls within the waiting period, missing documentation, or a condition that doesn’t meet the policy’s definition of a covered cancer.
Start with Washington National’s internal appeal. Write a letter that addresses the denial reason directly, attach any additional medical evidence that supports your position, and flag any errors in the review. If the letter says your pathology report was missing but you know it was in the package, send a fresh copy with your fax confirmation or certified mail receipt.
If the internal appeal fails, contact your state’s department of insurance. Every state has a consumer complaint process, and regulators can step in when an insurer isn’t following its own policy terms or state insurance laws. Supplemental cancer policies are often classified as “specified disease” coverage, and some states exclude that category from the formal external review process that applies to standard health plans, so ask your state insurance department what options actually apply to your policy.