How much do you really know about your insurance card information? Your insurance card is a quick way to find all of your essential insurance policy information. But, just what information is there to share? Welcome back to our back to the basics month. In this article, we will be explaining your insurance card information.
How long have you had an insurance card just sitting in your wallet? How many times in your life have you actually needed to read it? Most often this little piece of plastic sits hidden, hopefully without much use. However, this card holds essential information regarding your insurance policy. Knowing how do identify your insurance card information can really help you in an emergency. Let’s look at an example to break down of your insurance card information.
The information in this article is not to be construed as policy or medical advice. Each insurance policy is different, including the look of your insurance card. For a full explanation of a policy, or if you are in need of insurance, please call us at National Health Insurance Agencies. One our policy service members would be happy to assist you.
General Components Of An Insurance Card
This article includes a list of the information that customers find on their insurance card. Additionally, we’ll also give a brief description of how each section pertains to your insurance policy.
If you have a health insurance plan through your work or a private insurance company, that providers name appears on your insurance card. This information is important because it tells the insurance company who provides the benefits for certain billing inquiries.
Your plan information constitutes majority of your insurance card information. Firstly, the name of your insurance company typically appears at the top. Below that, the group number should be listed. Your group number identifies your particular insurance plan from your provider. Another key piece of information, the card ID is specific to you and identifies your policy information on your file. Medical offices typically ask patients for their card ID when they book the appointment. The names of insured cardholders and dependents should be listed on your card. This information tells the doctor’s office who is covered underneath the plan.
Conversely, the back of your insurance card contains all the contact information for your insurer. Namely, contact phone numbers and an insurance company address. A member services number is the number that you can call for more information about your plan. An RX member services number is where you can for your prescription drug information. Also, a provider number is provided. However, customers do not need this number, it is exclusively a way for the medical personnel to contact the insurance company.
Plan Type: Incidentally, the plan type is also a key piece of information about your plan. However, not all insurance cards have this printed on the card. Most health care facilities will need to know if your plan is an HMO, PPO or another type of plan. If your card is missing the plan type, you may want to take a moment to write it on your card.
Copayments: As a part of your provider insurance plan, you have a copayment agreement. The copayment for your primary care physician (PCP) and specialist provider care (SPC) are printed on your card. However, take care, these fees can be subject to change without an insurance carrier providing you a new insurance card. As a rule, stay up to date with your insurance company’s updates through whatever mailing services they may offer.
Prescription Information: Insurance companies include the prescription drug policy information on your card. This insurance card information is provided to your pharmacy as a way to detail your drug benefits. Insurance companies list this information as the RX or RX BIN#.
Insurance card information differs from company to company. Additional information may be printed on your card such as behavioral health contact information. With this in mind, take time to educate yourself about both your plan benefits and your card information. There may be a case where this information will be needed during an emergency. Stay safe, but always be prepared.