Policyholder FAQ

Yes!

The cost of prescription drugs in the United States is expensive. One thing you can do is request that the prescription you require be filled with generic drugs. Generic drugs are the equivalent to "name brand" drugs from the large pharma companies, but the cost for generics can be substantially less for the same drug.

Another option is to contact us at +1.800.318.2090 and we can arrange to have your prescription filled and delivered directly to you, including:

• Branded and Generic Pharmaceutical Products
• Respiratory Products
• Custom Compounding
• Diabetic Supplies - Home Health Supplies
• Specialty Drugs
• Rare Medications

You can talk to a doctor using our TelaDoc service by telephone or the internet, 24-hours a day, 7-days a week. Register for TelaDoc, or read more about TeleDoc.

TelaDoc is a national network of board certified physicians providing cross coverage consultations using electronic health records (EHRs) and telephone consultations to diagnose, recommend treatment and write short-term non DEA controlled prescriptions, when appropriate. 

TelaDoc does not replace the existing primary care physician relationship but instead enhances it with an efficient, cost-effective alternative for minor medical problems. Simply logon to your TelaDoc account or call 1.888.682.1165 and, in most cases, speak to a doctor in less than thirty minutes.

Yes, click here to download a .pdf version of our "HIPAA Privacy Authorization Form", Acrobat reader, available here, is required to view and print the form. Simply complete the form (instructions are on the form) and give it to your healthcare Provider to authorize your healthcare Provider to release your medical records to us so that we can process and pay your claims. The Health Insurance Portability and Accountability Act, or HIPAA is a series of rules and regulations that control the sharing of personal health information.

Learn about patients' rights in the United States, healthcare rights that are not guaranteed, and patient responsibilities.

The American Hospital Association (AHA) web site has very valuable information for hospitalized Policyholders such as this plain language brochure that informs patients about what to expect during a hospital stay with regard to rights and responsibilities.

"Communicating With Patients" is another informative link on the AHA site that we think you will find helpful.

The U.S. Department of Health and Human Services, an agency of the U.S. Federal Government, is another site with extensive information that you may find helpful, such as this link to, "20 Tips to Help Prevent Medical Errors".

The Fair Debt Collection Practices Act controls how debt collectors may contact you regarding outstanding debts. You should know that the Fair Debt Collection Practices Act requires that debt collectors treat you and your client fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt that may be owed.

Here is a summary of questions and responses regarding the "fair debt collection practices" of a collection agency or collection attorney when calling a policy holder in an attempt to collect a medical debt that has occurred in the Unites States. If when contacted by a collector, you feel that they have violated any of the provisions listed below; please document the name of the collector and the agency he/she represents and kindly forward this information to Frontier International Group so that we may notify the Provider of the documented infractions and offending collection agency.

Please refer all calls from collectors on claims where Frontier International Group is involved, to our offices at 001.949.429.7130, we will be glad to address any issues on your behalf.

Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.

By definition, a debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.

A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that the employer disapproves of such contacts.

You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives the letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it.

Please use the Frontier International Group "cease and desist" letter, sign it and return (fax or email) a copy to Frontier International Group. Frontier will in turn forward a copy to the collector and the medical Provider.

A collector may contact other people, but only to find out where you live, what your phone number is, and where you work. If contacted by a collector, you DO NOT have to give them any information! Collectors usually are prohibited from contacting third parties more than once. In most cases, the collector may not tell anyone other than the client or their attorney that they owe money.

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties (insurer, assistance company or cost-containment company) they contact. For example, debt collectors may not:

• use threats of violence or harm;
• publish a list of consumers/clients who refuse to pay their debts;
• use obscene or profane language; or repeatedly use the telephone to annoy someone.

Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

• falsely imply that they are attorneys or government representatives such as customs, passport control or immigration.
• falsely represent that they operate or work for a credit bureau.
• falsely imply that the client has committed a crime.
• misrepresent the amount of the clients debt; i.e. adding commissions etc.
• indicate that papers being sent to the client are legal forms when they are not.
• Indicate the client will be arrested if they do not pay your debt.
• The collector will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
• use actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
• give false credit information about the client to anyone, including an insure, assistance company or cost-containment company.
• send the client anything that looks like an official document from a court or U.S. government agency when it is not; or use a false name.
• use unfair practices; collect any amount greater than your debt.
• use deception to make you accept collect calls or pay for telegrams.
• take or threaten to take the clients property unless this can be done legally.

Here is a reference for the above information: fairdebt.pdf