An insurance claim is a request for payment that you or your doctor submits to your carrier when you get items or services you think are covered. Reach out to your carrier directly to file a claim. Most carriers let you file claims through your online portal, or you can call their member services number for instructions.
When the carrier receives a claim, they will process it according to your plan details. After that, you'll receive an Explanation of Benefits detailing what your insurance paid for and what you still owe.