2 Tips to make using your insurance cards go smoothly
- Know your cards
Different companies print and send their cards differently, so you need to be familiar with yours.
- Medical card: if it doesn’t say “Major Medical” or “Health Plan”, look for clues like copay structure (UC $10/Spec $25/ER $75) to indicate what copay you will pay at which type of healthcare business.
- Dental card: should say “Dental”, nothing else special about it.
- Prescription card: Some prescription insurance companies have names with “Rx” in it, which is the abbreviation for prescription or pharmacy. Other times, there will be numbers or codes that are labeled “Rx Bin” or “Rx Group”. Sometimes this info will be in a little box on the side of the Medical card.
- Don’t let logos lie to you
Sometimes insurance companies are managed by an umbrella company that may also own a large retail chain pharmacy. They will put their logo on the card in big, bright print. This does not always mean that is the only place you can go for prescriptions. Don’t let it fool you!
Kaiser Permanente can be a great healthcare solution for some people, but not every company is for every person. They have their own extra set of rules. So, if this is your insurance company, make sure you know their rules, so you don’t get stuck without care or with paying a lot of money for care.
Following these two steps can ensure that you do not have interrupted to delayed care, and that you hang on to your power to choose where you get care!