With most employer-sponsored health insurance plans, you do not have to file your own claims. If you have a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) plan, the medical provider's office usually files the claims. You will only pay the necessary co-payment or co-insurance for services covered under the plan. If you have a Fee-for-Service (FFS) indemnity plan, you are often responsible for filing your own claims with your insurer. This means you will have to fill out any necessary forms and send in your claims. Review your plan documents for specific details on your plan’s claims payment process.