I have had to submit claim forms for out-of-network providers before, and as long as I filled out the info on the form correctly (the ones I have done were not too difficult at all), I never have had to call. I was able to track (somewhat) the processing of the claim online...if it was shown as "processing," for example, I could verify that it had been received. The only annoying part really was waiting while each claim processed so that I could get reimbursed, and some insurance companies are faster than others.