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Home > Members > FAQ Frequently Asked Questions SIHO is available to answer your questions over the phone, in-person and on-line. In order to assist you with your health care benefits 24 hours a day, Client Services' most frequently asked questions are available at your fingertips. For other questions contact SIHO Client Services by: Phone: (812) 378-7070 (800) 443-2980 outside Bartholomew County Mail: SIHO Client Services P.O. Box 1787 Columbus, IN 47202-1787 Online: Contact Us All health care benefits are listed in your Summary Plan Document. Claims How do I file a claim? How long do I have to file a claim? A provider has billed me; how do I know how much of the bill to pay? What is deductible? What is a copayment or coinsurance? How does my out-of-pocket maximum work? What is Coordination of Benefits? Do I need to complete and return a Coordination of Benefits questionnaire? Appeals Do I have the right to appeal a claim denial or claims payment? Physicians and Other Providers How do I find a SIHO Network Provider? What is the advantage of using a SIHO Network Provider? How is my claim processed if I do not use a SIHO Network Provider? What is a Primary Care Physician (PCP)? How do I choose or change my Primary Care Physician (PCP)? Can I change my PCP any time that I wish? Can I utilize a non-network provider? Eligibility How can my newborn be covered from birth? How do I add or delete family members from my plan? Can I cover a dependent child away at school? How long can my children remain on my health plan? What happens if I quit or am terminated from my job? Do I have coverage under pre-existing conditions? Miscellaneous What do I do in case of an emergency? How do I order additional ID Cards? Should I carry my ID card at all times? What does HIPAA actually do for me as a SIHO Member?

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