FAQs
Frequently Asked Questions
Your Lucent Health Portal
What services are available to me in Lucent Health portal?
1
You can view claims, verify benefits, deductible/OOP amounts, SPD’s, SBC’s, download EOBs and ID cards. Reference the Lucent Employee Manual below.
How do I set up my member account through the portal?
2
To set up your Lucent member account online, follow the steps below:
In Microsoft Edge, Chrome, or Firefox go to the website: www.lucenthealth.com/cypress
Select “Member”
Next, your login credentials will be:
For your username: First 4 characters of your first name, first 12 characters of your last name (as it appears on your ID card), and your year of birth (YYYY)
Temporary Password: Full date of birth (MM/DD/YYYY)
Please note: All users will be prompted to update their password on the initial login
I already set up my account. How do I access the Lucent member portal?
3
To access the Lucent portal, login by clicking the “Lucent web portal” button below.
Can I get access to my dependent’s EOB through the portal?
4
Anyone (spouse or dependent) over age 18 will have to register themselves on the portal. If an employee wants to see a spouse or dependents claims and they are over age 18, the HIPPA release form will have to be filled out and sent back to Lucent.
How do I…?
How do I submit a claim?
You need to complete the Lucent Health Claim Form below.
To submit a claim, send to:
Lucent Health, PO Box 240427, Apple Valley, MN 55124
Payor ID: 88056
Group #: I36
*Contact the NARUS concierge team at 615-559-0418.
How do I get in touch with Narus concierge?
You can get in touch with Narus Concierge one of the following ways:
You can call 615-559-0418.
Or you can email them at concierge@narushealth.com
Visit the button below for more information about Narus concierge.
How do I request a pre-authorization form?
You can contact the pre-cert line at 877-499-1774 or fax to 615-461-5354.
Doctors’ offices typically process pre-certs within 3-5 business days. Follow up if pre-certs have not been received past that timeline.
Health Benefits Acronyms & Terms
TPA – Third Party Administrator – A company like Lucent Health that has been hired to administer your benefits.
PBM – Prescription Benefit Manager – A company hired by an employer group to provide a wide range of prescription benefit programs that emphasize quality and cost-effective solutions.
COBRA – Consolidated Omnibus Budget Reconciliation Act – These regulations allow employees to continue their benefits.
COB – Coordination of Benefits – This is what we refer to when a member is covered under more than one benefit plan, which may even include Medicare.
FSA – Flexible Spending Accounts – These are accounts set up on behalf of an employee that contain pre-tax dollars withheld from the employee’s payroll to cover two types of expenses: unreimbursed medical expenses (“URM”) or dependent care expenses (“CDA”)
Commonly used acronyms used in your health benefits discussions
Copayment – A copayment (or copay) is the fixed dollar amount you pay for certain in-network services. In some cases, you may be responsible for coinsurance after the copay is made.
Coinsurance – Coinsurance is the percentage of covered expenses share by you and the plan. In some cases, coinsurance is paid after you meet a deductible. For example, if the plan pays 80% of an in-network covered charge, you pay the remaining 20%.
Annual deductible – This is the amount of money you must first pay out of pocket before your plan begins paying for service covered by coinsurance is your annual deductible. After you meet your deductible, the plan pays for a percentage of eligible expenses (coinsurance) until you meet your out-of-pocket maximum.
Out-of-pocket maximum – The amount of coinsurance you will be required to pay for eligible health care expenses is limited. Once you reach the maximum amount, the plan begins to pay 100% of eligible expenses. Please note that there may be separate in-network and out-of-network annual out-of-pocket maximums.
Commonly used terms used in your health benefits discussions