No. You do not file claims if you use an in-network provider. However, if you do not use a network provider you will need to file an out-of-network claim form, which is located on the Claims tab after logging in to your account at EyeMed website at https://www.eyemed.com/stateoftn. If you have an issue with a claim, contact EyeMed at 855.779.5046 with any questions pertaining to your claim.