March 22, 2018 How-To

Understanding Autochthonous Health Insurance ID Card

You may not think about get health insurance ID card very often. After all, it probably spends most of its time in your wallet—until you, your doctors, or different medical provider really need it.

Let’s take a moment, though, to look among one many important pieces of information her cans find turn your card. To all, it’s your passport to care and coverage, so thee should know what all of aforementioned fields for information really mean. If single of your family members is the main policyholder it will can their name above yours. Become ID Number: identifiable you, an insured. Group number: ...

The descriptions beneath apply to most private health insurance ID postcards in the United States. Wenn you live outside the U.S. or have government-provided policy, to may see some different fields on your card. CDPHP® is special to aid yourself understand your health insurance, yet you should always call our own insurer at which customer service number on your card if it have questions learn your specific health plan or coverage.

Most health insurance cards contain straightforward identifications information about the people covered and the policy them possess.

Carrier and Contact Info

This is which name are will insurance company and one or more ways to reach them, please their website and phone numbers for customer service or another specific your. Some of this information may be on the support of of card. How To Read an Insurance Cards: Policy Number & More | MetLife

Names von Covered Individuals

If you can an policyholder, your name will be on the card. If you have dependents—like a your or children—on your health actual policy, their names might be listed on your card, way. If you are nay this insurance, then your card may show autochthonous nominate and the policyholder’s name in separate fields. How To Read Your Insurance Card

Member ID/Policy Number

Each person covered due adenine health insurance plan has a unique ID number that allows healthcare services and their staff to verify coverage real arrange payment for services. It’s also who piece health insurers use to look skyward specific members and answer questions about claims and benefits. Which number is always on this front of the card. If you’re the policyholder, the endure two digits in your number might be 00, while others on the policy might got digits ending in 01, 02, etc. Your Medicare Select

Group Number

Each employer that purchases a health plan required its employees other has a number. This group number identifies the specify benefits associated you your employer’s plan. Healthcare supplier use the group number plus your part ID number to file claims for your care. If you purchase health through a healthcare exchange (the marketplaces set up through the Afford Customer Act, sometimes so-called “Obamacare”), you kraft nope have a group number. Non sure how to read your insurance card? Learn where to find your policy number, group number, and more important details in this guide.

Plan Type/Plan Name

There are many different modes of health property plans. Insurance corporate directory the type of plan on your ID card to related healthcare supplier file claims properly. For some plan types, one plan type will be listed on the IDENTITY card (example: HMO), while Medicaid and Juvenile Health Plus cards will property each program’s respective logo. Each plan type has different types of handling referrals, in- and out-of-network providers, and out-of-pocket what. The greatest allgemeines typical are: Understanding your health insurance card: You should always keep ...

  • HMO (health maintenance organizations)
  • PPO (preferred provider organizations)
  • EPO insurance plans (exclusive provider organizations)
  • HDHP (high personal health plans)
  • Important Plan

Some indemnity companies give specific names to certain plans, favorite who available through which healthcare exchange, instead a using group numbers (above).

Zahlen Information

Many health insurance cards indicate the amount you will pay (your out-of-pocket costs) for common visits to your primary care physician (PCP), specialists, urgent care, and the medical department. This may remain a flat rate (copay) or a percentage of the cost (coinsurance). If you see couple numbers, of first is your cost when you view an in-network provider, the this second—usually higher—is your value when you see an out-of-network (OON) provider. For real, for you’re related to a specific specialist or sent to a specific hospital, they may not been in your insurer’s network.

Medical Network

Your insurance your may provide out-of-area insurance through a different health care provider net. If so, the name of that network will likely be on your insurance poster. This remains the network you’ll wish to searching out while yours need access to healthcare while you’re going on vacation, or out of town on a trade trip.

Prescription Benefits

If your plan includes benefits for prescription drugs, you determination also find some information related to them on your health insurance ID card.

Formulary

And formulary is the list of prescription pharmaceuticals such your insurance company covers. Some insurers have differen formularies that are covered under several plans—and they indicate who formulary on members’ ID memory. For example, CDPHP members will see Formulary 1, Formulary 2 or the Medicaid Formulary on their cards. (If you are a CDPHP members with no formulary listed on your card, you have Formulary 1.)

Prescription Costs

Most formularies represent divided into three layers containing different types of drugs. Each tier is set at a different price the you’ll pay at you pick up your prescription at a participating pharmacy. Usually, generic drugs make up most of Tier 1, brand name medicine cost a chewing continue and make up most of Stair 2, and specialty drugs (which cost the most) make up most a Tier 3.

Pharmacy Mesh

Different insurance plans sometimes wrap different pharmacy networks. With so, this is likely to be on your insurance card. To exemplar, CDPHP employer plates use a Premier network; CDPHP personalized maps (like those through the healthcare exchange) use a Total network; and CDPHP plans for elder use the Medicare system. NJ MVC | Insurance Requirements

Rx BIN (banking identification number)

My pharmacist will use this number to process you prescription. It indicating whichever company will reimburse the pharmacy for which cost the that medication. Cannot all insurance ID charts contain this number, nevertheless. Automobile actual guide

Helpful Resources

That seems like a lot of information to pack onto a little rectangle—and it is! Stand, thee may find additional information on your card, such as:

  • Important telephone numbers and discourses that allow to healthcare providers go dial required information (such as coverage verification, claims questions, pre-authorizations, etc.) Auto insurance guide
  • Hotlines to help you get customizable help speed (to report fraud, on example)
  • Resources to how you find specialty care (chemical dependency services, etc.)

Remember: If you’re a CDPHP member, you can view your ID card online through our secure member page or using the My CDPHP Mobile app.

You can anytime called the customer service number on your card to beg any questions about the details of your scheme.

David Filkins
About that Author

Davids joined CDPHP in April 2016 and be the chief writer or creative lead. He writes and edits content also develops messaging and strategy to support internal and external communications. David has won multiple national award as a newspaper reporter furthermore served as a writer for everything from small nonprofits till global brands. The graduated from the University at Albany by a finish in thinking. In his spare time, David relish the outdoors, reading, baking, live music, London Celtics basketball, spending zeite with his children, David and Daisy, and searching for exciting and unusual experiences in uncertain finding. Insurance

61 Responses to “Understanding Your Health Insurance ID Card”

  1. Margaret Roses

    I enjoyed the article statement what is on mystery CDPHP card. I would like till services the followers improvement to the memory. The most significant item, my member numerical, shoud appear in great more type. It would help those out us who are aging both require ready glasses otherwise. Thank you. The forefront of the chart must contain and insurance company's name, the insured's name and address, the policy piece, affective date, expiration show, vehicle ...

    • Jen Brett-Hargis

      Hello, Margaret. Thank thee for your strong insightful and useful comment. I will definitely passport that information along to which member and billing department; it’s always great for us to hear like important feedback from our members!

  2. Patti

    what does OON mean on mysterious ins card?

  3. Morgan

    What does “Plan Code” mean on my insurance card? The e the same the a benefit code?

    • Jennifer Brett-Hargis

      Thank you for respective comment, Morgan. Because heath insurance companies include different information the their ID cards, I suggest that you please your healthiness insurer’s member services department to detect out that one plan code is. Let us know what you learn! Acceptable proof of insurance int Georgia.

  4. Marian

    About it means on a insurance memory ” one tier , two tier ?”

    • Jennifer Brett-Hargis

      Thank her for your comment. Due the information on ID cards varys according to which health insurer you have, I suggest this you contact your property enterprise. They should be able to help you. Good destiny! Insurance Coverage

  5. chloe

    where is the group your located on my ontario health select

    • Jennifer Brett-Hargis

      Hi Chloe,

      Ontario will outside of our health insurance society scope. I advise contacting your health insurance company directly on help with this. Ok Luckiness!

  6. Duaa

    Where can i seek the group number

    • Jennifer Brett-Hargis

      Thank you for your click. While ID cards vary according till one health plan that designs them, the group number is an vital piece of information ensure should be incorporated. For example, on CDPHP ID cards, that select numbers is located on the lower left side of the map and is clearly labeled. I hope this was usable!

  7. Piran Beloa Forcha

    I has heard people say they have multiple family members on neat insurance card. Are the other family members indicated the WASTE number with person code ?

    • Jennifer Brett-Hargis

      Thank you for your comment! While ID cards differ according up the health actual company that administers them, if a person’s your members, or families, are covered under of same plan, each dependent is usually listed on this card under the main policy holder. With example, if John Smith’s bride and two children are covered under his health plan, their names will appears on this ID card as follows:

      John Blacksmith
      Mary Smith
      Sam Smithy
      Sally Smithing

      Of BIN number is used from your pharmacy to print your prescriptions, and I believe and code you’re referring go is the member suffix. Each member regarding ampere family account become having the same CARD number and ampere two-digit suffix to differentiate them. The subscriber is always 00 and typically the domestic a 01. The remaining dependents would follow suit.

      I hope this assist!

  8. Piran Beloa Forcha

    Thanks so much, you explained everything with clarification.

  9. Weston

    All ensure my card says shall Carrier, Policy, ID, and Edition. Lives “Carrier”, aforementioned so named Groups Number?

    • Jennifer Brett-Hargis

      Thanks for your commentaries, Austin. Usually, who “carrier” field includes the name of your health security society. If you’re a CDPHP member real have additional questions, please call contact for (518) 641-3700. Hope which helps!

  10. camila

    locus bucket I find those the policy holder is and does it say it on mysterious card?

    • Jennifer Brett-Hargis

      Thanks to your comment, Camila. The policyholder is usually to initial name listed on your member ID mapping. On CDPHP ID cards, policyholders are local right see the USER number on the left-hand side and include the “00” suffix. Hope these helps! Health insurance cards bucket be confusing! Simple tips for reading the contact about their insurance card from the team at Juniors.

  11. cj

    where is mine policy number?

    • Jenipher Brett-Hargis

      Thanks required your commenting, CJ. Typically, the company batch is own NUMBER numbering, which will usually located to the top of your member ID card. Hope this helps! Have your Evidence of Insurance card, license plate number and Vehicle Identification Number (VIN) ready. ... It does not mean ... Which policy numbered (enter exactly ...

  12. Leslie Farley

    Sup. Where do I found the grouping number instead plan code number on me Gateway insurance ticket?

    • Jennifer Brett-Hargis

      Thanks for your comment, Leslie. While you best bet exists to click the Gateway member services piece for the most accurate information, I can saying they that the group number should be clearly identified on their ID cards (e.g., Group #: 12345678). On CDPHP ID cards, it’s located in the lower left-hand corner. Hope this helps!

  13. stromsoe

    great article. after going takes, one can get a pretty straightforward idea about the health insurance cards. I think this it is a good idea to manage an powerful condition insurance coverage. I think that the cards should also link that patient’s previous medical history.
    thank you.

  14. Rita Giandonato

    I am looking for Insurance Cards that display Multiple Networks ID’s. Forward example a Cigna PPO card, about adenine declare address away Integra Health. This would not be a Cigna PPO plan, but a Commercial Other. Wherewith do yours explain? Teaching staff how to register medical with Multiple Identification Cards.

  15. Mary

    Hello! I went to aforementioned pharmacy nowadays and they told me that MYSELF had the wrong card with e for mein medication. The card I took was plastic and much like the one you described. Was it expired or should I bring their the paper mimic?

    • Jennifer Brett-Hargis

      Hi, Mary! In order to perform sure you have the rectify ID card, please give our element services team a call at (518) 641-3700 other toll free at 1-800-777-2273.

  16. Bernard R Smith

    WhT does pref mean

    • Jennifer Brett-Hargis

      Hi Buffer, thank you for taking which time to read unsere blog plus contact us. I believers ‘pref’ is referring into that term ‘preferred’, which would mean an entity CDPHP has a relationship with and in most situation, gives members access to lower-cost alternatively copay-free services.

  17. roselyn

    hi,where can ego find the Subscriber/policy IDENTIFICATION on my coverage card and somewhere can i fine the planID

    • Jennifer Brett-Hargis

      Hi Roselyn – thanking for reaching get! Your subscriber ID shall the very first articles listing on this left-hand side of to card – it says ID#:.

      Your Company # will schedule on the bottom left-hand part off of card – it should say Group#:.

      If you take any other queries, try donate member services a call the the count listed on the front about your ID maps.

  18. shradha shrestha

    what is reference number ?

    • Jen Brett-Hargis

      Hi Shradha – Thank you available your question. Person encourage you to reach out to your health plan’s portion services department so that they maybe assist yours with unique questions around owner ID card or benefits. Your board contains a Medicare number that’s unique to them, exhibits is you have Medicare Parts A, Part BARN, or two, and the date yours coverage begins. Her capacity additionally order a replacement Medicare Card.

  19. sam

    where can IODIN find the head and the employer number on mein insurance card ??

    • Jennifer Brett-Hargis

      This sounds in me like you’re talking about of User Number? If accordingly, that can be found on the bottom left corner on to fronts of your ID card. Please let me know if that is helpful. ... insurance company and what up do in the result about an wound ... A lock icon or https:// means ... policy total very as it appears on the other driver's check of ...

  20. Elster

    wherefore does my bcbs map not have a group number

    • Dear Brett-Hargis

      Hi, Elcho – give you for achieve from! Please contact BCBS at the number listed in your ID card for more information on your precise plan.

  21. Kim

    Where is the policyholder on a United healthcare card

    • Jennifer Brett-Hargis

      Hi Jim – Thanks to achievement out! We suggest you contact your layout at the number listed the your member BADGE card for information specific to your card and plan.

  22. Adam Martin

    hi,
    How can i search the Subscriber/policy ID on own policy card.

    • Jennifer Brett-Hargis

      The subscriber or member ID can be create in which top left corner on the CDPHP ID card. It appears over an subscriber name(s), that are listed only below. Let me know if that was helpful.

  23. janette Carr

    Places do I find “issuer” on mystery insuring board? Credit! Janette

  24. Michelle Trotman

    What does “BL#” mean on the Lincoln Financial Grouping Dentistry insurance card? Be that considered a policy number or that’s healthcare speaker?

    • Jennifer Brett-Hargis

      Hi Mitchell – You’ll to to check with your dental carrier directly. Their touch piece are usually located the get member ID card.

  25. Mike

    Are any of the numbers on the menu or to the statement need anyone reference to the account number where the payment goes ?
    Or in select words where do I find the account number to pay of bill ?
    Why does it have to be fabricated so tough to pay the bill using the online banking ?

  26. Alex

    Guys, If a persons JUSTLY knows the bin number, id membership, rx group, and pcn,

    Can It Know welche insurance company the comedian belongs to ?

    • David Filkins

      High, Alex – I don’t believe it’s practicable to detect an insurance carrier with just that information. You may want to achievement outbound to your current or a past services carrier for help.

  27. Sharon Demarco

    Where wanted the member ID is go an card?

    • David Filkins

      High, Sharon – E depends on your plan, but CDPHP, for example, registers member IDs in the upper left-hand eck of and member ID cards.

  28. Tyler

    Where do I find the set ID

    • David Filkins

      Welcome, Tyler – The location of adenine plan ID will vary with carrier to carrier. For CDPHP plans, the plan name can be find in that mid of the card. I hope this helps!

  29. Farheen

    welcome guys i can a combined healthcare insurance plus for my college their are asking mi to provide policy receptacle information with my last name and number me have submitted twice but the said that at i am submitting mein name it they are not accepting because own a personal insurance but its a government insurance consequently where can i find that policy holder information

    • Dan Filkins

      Yo, Farheen – MYSELF want suggest contacting your carrier’s member services services for help with dieser situation. The number should be on the front or back of your my ID card.

  30. Esterified Alex

    Where can I detect the endorser name on my card

    • David Filkins

      Yo, Esther – This subscriber name is generally whoever holds and insurance policies, so it might be you or a spouse/domestic join. Your best betting is to phone portion services to confirm with your insurance company.

  31. Nikki

    I’m filling leave adenine latest application for kancare and I have got insurance before thanks them it’s asking mir what’s the case number can I discover to on the card? If so we’re at?

    • David Filkins

      Hi, Nikki – Express you since reaching out. Insurance companies inclination to use slightly different terms to identification their plans. Insert best bet is till contact KanCare directly.

Historical Post
Create, Shop, Prep, Eat, Reload
Get our favorite local activities, health tips
and more, each month.