Hello {{ip_first_name}} and {{agency_name}},
Unfortunately, we cannot provide the most accurate policy validation with only an ID card. There is no way to confirm the information the rep is telling us. With the booklet, we can verify if there are surrogacy clauses, we can look for third party clauses, coordination of benefits, etc. There have been many times we\'ve heard from rep\'s that surrogacy is not covered, solely because they do not think it is. In our experience insurance customer service reps are not super reliable, therefore the benefit booklet is a requirement.
Please note call only reviews are not guaranteed, and a back-up policy will be strongly recommended or even mandated.
ART Risk Policy Validation Team