How to Use Your Health Insurance

Health insurance helps you to pay for your health care medical bills. It can cover services ranging from routine doctor visits to major medical costs from a serious illness or injury. It also covers many preventive services to keep you healthy. You pay a monthly bill called a premium to buy your health insurance and you may have to pay a portion of the cost of your health care each time you receive medical services.

How do I use my policy?

Each health insurance company has slightly different rules for using health care benefits. You should have a look at your plan’s benefits and limitations when you first sign up for insurance, especially if the plan requires you to receive your care from certain doctors and hospitals, as most plans do. In general, you will give your insurance information to your doctor or hospital when you go for health care.

What do I use an insurance card for?

Your provided insurance card proves that you have health insurance. This card contains all the basic information about your insurance plan that your doctor or hospital will use to get paid by your insurance company.

Your insurance card is also handy and useful when you have questions about your health coverage. There’s a phone number on it you can call for information.

What’s a network?

Specialists and hospitals have a detailed contract with the different insurance companies to become part of the company’s “network.” The contracts spell out what they will be paid for the care they provide. If you visit a doctor in the same insurance company’s network, you will pay less out of your own pocket than if you go to a doctor who doesn’t have a contract with your insurer. Some health insurance plans will not pay anything if you do not use a network provider.

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