Getting To Know Your Insurance Card

Congratulations! You just received your insurance card in the mail. Now what? Your insurance card may seem small but it’s basically a snapshot of your health insurance plan. In this blog post, we’ll go over the key components of your health insurance card and what they mean.

1. Insurance company information: The first thing you’ll notice on your health insurance card is the name and logo of your insurance company. Knowing this is important and you’ll need to provide it whenever you seek medical care.

2. Policy number: Your policy number is a unique identifier that’s specific to you and your plan. It’s often required when you’re filing a claim or communicating with your insurance company.

3. Name and date of birth: Your health insurance card will also have your name and date of birth as personal identifiers so your insurance company can track your claims accurately.

4. Copay and coinsurance information: A copay is a fixed amount that you pay for certain services, such as a doctor’s visit or prescription medication. Coinsurance is a percentage of the cost of a service that you’re responsible for paying. Understanding your copays and coinsurance can help you budget for your healthcare expenses.

5. Deductible and out-of-pocket maximum: Your deductible is the amount you need to pay out of pocket before your insurance coverage kicks in. Your out-of-pocket maximum is the most you’ll have to pay each year for covered services.

6. Contact information: Finally, your health insurance card will have contact information for your insurance company. This is important to have on hand in case you need to contact your insurance company with questions or concerns.

Now that you understand the terms on your insurance card, you’ll be able to make informed decisions about your healthcare and ensure that you’re getting the most out of your coverage.

Want to save time and money? Always keep your insurance card with you. This will ensure you can access the services covered by your policy, especially in case of a medical emergency.

Florida Health Care Plans provides high-quality, affordable insurance to over 100,000 members in St. Johns, Flagler, Volusia, Brevard, and Seminole counties. For more information about your FHCP ID Card, please contact Member Engagement or log in to the Member Portal.