Do I really need to submit a cover letter and the signed NIB HIPAA with every formal application?
A. It is in your best interest to submit both these items with every formal application. The cover letter assists your case manager by giving them important details on the case regarding agent, client, medical orders, and if the case was discussed before submission. Additionally, the signed HIPAA allows us to obtain access to otherwise confidential information as well as discuss the case informally with other carriers should we need to move the case to a different carrier. It saves you time by not having to go back to the client a second time for signatures if we need to shop the case to other carriers.
