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How to read your health insurance card
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A few quick notes:
How to read your health insurance card
- Not all cards are created the same, this will serve as a guide but your card may have slight variations.
- At times, health insurance can be difficult to understand. Ask for help if you need it. Resources should be listed on the main web page.
- You may not know if your coverage meets all the requirements, call your insurance company - they should be able to provide you with a Summary of Benefits and Coverage (SBC).
This is the FRONT
of your card
This is sometimes called the Subscriber Name. It should have either your name or the name of the person whose coverage you are under. You will need to type in this name and the relationship to you when completing the waiver form.
This is your Member ID Number, it is the unique identifying number that the insurance company has given you to use. You will need to use this number when completing the waiver form.
This is sometimes called your Group Number. Often times insurance companies use this number to determine what type of coverage you have or what group may have purchased coverage for you, for example an employer or a school. You will need this number when completing the waiver form.
This is the Claims Address where health care providers are instructed to send any bills to be processed. You will need this address when completing the waiver form.
This is the BACK of your card
Somewhere towards the bottom will be the name of your insurance and the type of insurance you have such as PPO or HMO. It may also list a "network". You will need this name when filling out the waiver form.
Sometimes your health insurance company will combine your pharmacy insurance information on the same card. It will start with "RX". Other times, you will have a separate card with this infomation. You will need to have this information available when completing the waiver form so make sure you have both cards!
Often times, there will be a website or a phone number listed on the front or back of the card. This is where you can find specific benefit information such as copay, coinsurance and deductible amounts.