How To Read Your Health Insurance Card
Most insurance cards in the U.S. contain the same basic information, including:
The name of your insurance company and contact information such as a customer service phone number, email address and website.
The type of plan you have .
Your name and the name of any dependents covered by your policy. If you are the dependent on someone elses policy, their name will probably be on your card.
Your insurance I.D. number on the insurance card indicates the coverage your plan provides. If youre the policyholder, the last two digits in your number might be 00, while dependents might have numbers ending in 01, 02, etc.
An insurance group number, if you have an employer-based plan. If you purchase private insurance through healthcare.gov, a state exchange, or directly from an insurance company, there might not be a group number on the insurance card.
The amount of your or for common situations, such as a visit to your primary care doctor, a specialist, an emergency room or an urgent care clinic. A copay usually appears as a flat rate, a coinsurance as a percentage. Your card may also list the prices for in-network providers and out-of-network care.
The name of an out-of-area network, if your plan includes out-of-area coverage with a different company.
If your plan covers a particular pharmacy network, this probably will be indicated on your health insurance card. There may also be an Rx BIN to tell the pharmacist which company will reimburse the pharmacy.
Sample Insurance Card
Q Doesn’t The Government Already Know About This Death A Death Certificate Has Been Issued
It is important to notify the ministry as soon as possible when an insured person dies. The attending physician forwards this information to the ministry but this may take some time and the doctor is not responsible for the collection and return of the health card. The person who is looking after the affairs of the deceased must return the health card to the ministry.
Removal Of Sex Designation
Beginning February 11, 2019, Nova Scotia residents will have the option to remove their sex designation from the front of their health card. There is no fee for this service.
If you choose to remove your sex designation from the front of your card, you will still be able to access insured physician and hospital services.
To request removal of your sex designation from the front of your health card, or if you have questions, call MSI Registration and Inquiry at 902-496-7008 or 1-800-563-8880 .
Health cards must be presented to health care providers before receiving insured health services.
Questions? Call MSI 1-800-563-8880
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How Will I Get And Use My Member Id Card
Always show your new member ID card to health care providers so they can quickly access your health plan benefits and help you get the most value from your plan. If youre new to Florida Blue, you’ll receive a member ID card with your plan documents after you’ve made your first payment. If youre already a member and currently have a plastic Florida Blue ID card with a magnetic stripe, your benefit information will automatically be updated on the effective date of your new coverage. And remember: only the primary policyholders name will show on the card even if your plan covers your whole family.
Im A New Member Is There Anything I Can Do Before I Receive My Member Id Card
While youre watching the mail for your member ID card to arrive, there are a few things you can do while youre waiting for your coverage to start, including looking for network providers and learning how to register for a health plan account.
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I’m An International Student How Do I Renew My Health Card
To renew your health card, International students are required to submit a copy of your existing health card, a copy of your new Study Permit and a copy of your current proof of enrolment only. Please ensure to note any change to your address or phone number.
Information can be sent by mail to:
PEI Medicare126 Douses RoadMontague, PE C0A 1R0
Or dropped off to Health PEI at 16 Garfield Street in Charlottetown, or to any Access PEI Location.
How Do I Get A New Medicare Card If My Card Is Lost Stolen Or Damaged How Do I Change My Contact Information
If your Medicare card was lost, stolen, or destroyed, you can ask for a replacement by using your online my Social Security account, even if you don’t yet receive Social Security benefits. If dont already have a Social Security on-line account, you can create one online. Go to .
Once you are logged in to your account, select the “Replacement Documents” tab. Then select Mail my replacement Medicare Card.Your Medicare card will arrive in the mail in about 30 days at the address on file with Social Security.If you cant or prefer not to use the online service:
- Call us at 1-800-772-1213 , Monday through Friday, from 7 a.m. to 7 p.m. or
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Why Would Your Card Be Stolen
Sometimes people steal Medicaid benefit cards. They most often do this in order to use your benefits for themselves, or to sell your Medicaid benefits to other people. This is a form of identity theft, and it’s very common. You must not allow anyone other than yourself to use your Medicaid card, since any of the services the card is used for inevitably get charged to your account. Apart from the waste this creates, false medical records under your name can be very serious if you ever need care yourself. You could also be charged with a crime if your card is improperly used to get benefits and the authorities think you were involved.
Lost cards are less serious at first, but once a card has gone missing, you simply dont know whether somebody is using your name to get expensive healthcare. Even if your lost card is never found, you generally cant get medical treatment without it, so you have every reason to request a replacement Medicaid card fast.
How To Use Your Health Insurance Card
When you get your insurance card from your insurance company review the card to see if there are mistakes. If you find one, ask for a new card.
Compare the information, especially the costs listed on the card, with the other insurance paperwork you have. Make sure they match.
If you do have more than one card, be sure and keep them all together. When you get a new or updated card, get rid of the old one to avoid confusion.
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Death Of A Family Member
To cancel a family members health card following their death, please visit any ServiceOntario centre.
Bring the following with you:
- the health card
- This can be a death certificate from the funeral home or a certificate from ServiceOntario
If you do not have a death certificate, you can complete a Change of Information Form.
Why Do You Need A Health Insurance Id Card
Your health insurance ID card serves as proof of coverage when you go to the doctor for medical care or receive any other health care services. The ID card has information about your health plan that the health care provider needs in order to bill your insurance company.
A medical provider can turn you away if you dont have your health insurance ID card, even if you have health insurance. They may be willing to accept your policy and plan numbers without seeing the actual card, but it is best to get a temporary insurance card or other proof of insurance as soon as you can to make sure you can get the medical treatment and services you need.
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Q What Should I Do If I Move
It is important that ServiceOntario has your current address to ensure your coverage remains active and for any direct communication with you.
There are three ways to update your address:
For more information refer to , fact sheets .
Northern Health Travel Grant :
You may be eligible for a to help pay transportation costs if you live in northern Ontario and must travel long distances for specialty medical care.
Services in Other Canadian Provinces and Territories :
Most of your Ontario health coverage benefits can be used across Canada. The province or territory you are visiting will usually bill Ontario directly. If you have to pay for health services you receive in another part of Canada, you can submit your receipts to your local to be considered for reimbursement. Prescription drugs from pharmacies, home care services, ambulance services and long-term care services provided in other provinces and territories are not covered.
Services Outside Canada :
For people , the ministry pays a set rate for emergency health services. Emergency health services are those given in connection with an acute, unexpected condition, illness, disease or injury that arises outside Canada and requires immediate treatment. are not covered. Ontario residents are encouraged to purchase supplementary insurance when traveling outside Canada as many emergency health services provided outside the country cost much more than OHIP may pay.
Q My Baby Was Born In An Ontario Hospital But We Are Only Visiting Ontario For A Short Period Can We Use The Ontario Health Coverage Infant Registration Form To Register Our Baby For Ontario Health Coverage While We Are Here
No. Tourists, transients or visitors are not eligible for OHIP coverage. For a child born in Ontario to be eligible for Ontario health insurance coverage they must make their primary place of residence in Ontario, and be physically present in Ontario for at least 153 days in any 12-month period to retain OHIP coverage.
If you are visiting Ontario from another province or territory in Canada, contact your home province/territory regarding health insurance coverage for your baby and any insured services received while visiting Ontario.
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Your Health Insurance Card Comes From Your Insurance Company
Not all insurance cards are alike, but your card will contain basic information about your plan including some of the following:
- Insurance company name.
- Phone number to call for questions and help.
- Member name: This usually lists who purchased the insurance or the individual covered by the plan.
- Member number: This number is used to identify you so your provider knows how to bill your health plan.
- Plan type: this indicates your plan’s provider network such as HMO or PMO.
- Co-pay: the amount you will owe when you get health care.
Bring your health insurance card with you when you go to the doctor or pharmacy.
/7 Nurse Helpline Card
If your provider or your providerâs answering service is not available, HUSKY Health provides access to Registered Nurses 24/7. Call and follow the prompts to reach a Registered Nurse. You can speak with a nurse about any health concern you have. When you have the number handy, a nurse will always be ready to help you! This card is available in your welcome brochure as a tear-out.
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Am I Eligible For A Pei Health Card
A PEI Health Card is issued to every PEI resident. You are considered to be a resident of PEI if:
- you are legally in Canada and
- PEI is your primary residence for at least six months plus a day each year.
You are not eligible for a PEI Health Card, if you are:
- an International student, unableto work off campus
- a tourist, transient or visitor to PEI
- a member of the Canadian Armed Forces
- an inmate of a Federal Penitentiary or
- a citizen eligible for certain services under other government programs, such as the Interim Federal Health Program for Refugees, Workers Compensation or the Department of Veterans Affairs.
For further information about eligibility for health coverage, please refer to the Health Services Payment Act Regulations .
Q I Am Frequently Away From Ontario Due To My Job/studies Am I Eligible For Ohip Coverage
If your job or studies require you to leave Ontario frequently and you are unable to be present for 153 days in any 12-month period, you may still be eligible for OHIP coverage as a mobile worker or mobile student. To maintain your OHIP coverage, you should:
- be able to provide acceptable documents that show that your work requires frequent travel in and out of Ontario or that your full-time academic program in Ontario requires travel outside of Ontario and
- be able to provide acceptable documents to show how you make your primary place of residence in Ontario .
New or returning residents to Ontario who qualify as a mobile worker or mobile student are exempt from having to meet the 153-day in the first 183-day physical presence requirement immediately after establishing residency in Ontario.
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When Your Card Goes Missing
The first thing to do when your card is lost, for whatever reason, is to call your state Medicaid office as soon as possible. You can find a comprehensive list of state Medicaid contacts on the Medicaid.gov website. Call to speak with a representative, or visit your states Medicaid website, to report a lost or stolen card. Be prepared to give your identifying information, including your Social Security number, when you call.
Q How Do I Submit My Medical Bills
If you have purchased supplementary insurance, check with your insurance carrier about how you should submit your bills. Otherwise, it is required that you send your itemized bill to your nearest within 12 months of receiving treatment. With your bill, send :
- an original, detailed statement, itemized on a fee-for-service basis
- your original receipt for payment
- your name and current Ontario address
- your health number
- a completed Out of Province/Out of Country Claims Submission
To avoid delays, do not hold your bills and receipts until you return to Ontario. Mail them to your insurance carrier or the ministry as soon as you receive them.
For more information :
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Your Health Insurance Card
After you enroll in a private health plan and pay your first month’s premium, you will receive a membership package with your insurance card and summary of benefits and coverage detailed information.
If you are enrolled in Medical Assistance or MinnesotaCare visit the Department of Human Services’ website for new member information.
What If I Lost My Health Card
If your PEI Health Card is lost or stolen, you can apply for a replacement card. The replacement fee is $10 per card, with a household maximum $50.
If your name has changed or if you have received a card with incorrect information, you will not be charged for a replacement card.
Download and print a Request for a Replacement Health Card .
Send the completed form with a cheque or money order payable to Health PEI to PEI Medicare or request a replacement health card and make payment at any Access PEI Centre location.
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Q How Do I Change My Name On My Health Card To My Married Name
To change your name on your health card to reflect your married name, you must visit a ServiceOntario centre , complete a Change of Information and present the original of one of the following:
- Certificate of Marriage
- Certified copy of Statement of Marriage
- Original marriage document issued outside of Ontario which contains the names of both spouses
- A record of marriage form
- Change of name certificate
If you are changing your name to reflect a ‘common-law’ marriage, you must visit a ServiceOntario centre, complete a Change of Information and present the original of one of the following:
- Change of Name certificate
- Certified copy of the court order for a change in surname
- Notarized affidavit of the facts supporting the use of the ‘common-law’ surname
If you do not already have a photo health card, you must switch to a photo health card in order to change your name. You will be required to provide three original documents to prove citizenship, Ontario residence and identity.
If you have any questions regarding your own specific situation, call the ServiceOntario INFOline at 1-866-532-3161.
If You Are The Victim Of A Crime
Stealing or otherwise misusing a Medicaid card is a crime. It is strongly advised that you report a card you suspect might have been stolen from you as early as you can. Your local law enforcement can take a report from you if you wish, though an investigation can also be done through your states Medicaid program, which has its own fraud investigators. Filing a report can help the authorities catch an identity thief early, save your benefits from being used illegally and create a paper trail that shows you promptly reported the missing card before it was used.
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Q My Baby Was Born In Hospital Or At Home Attended By A Registered Midwife How Do I Get A Health Card For My Baby When He Or She Is Born
There is a special registration process for babies born in Ontario birthing hospitals and for babies born at home attended by a registered midwife.
Immediately after the birth of your baby, hospital staff or a registered midwife will give you an Ontario Health Coverage Infant Registration form to complete. Babies born in an Ontario birthing hospital or at home and attended by a registered midwife will be provided with an infant registration form. Tourists, transients or visitors are not eligible for OHIP coverage.
This form requests information regarding your baby such as the babys name, birth date and mailing address. Information is also requested regarding the parent/guardian who is completing the form. You will be asked to confirm that :
- The child has a primary place of residence in Ontario.
- The child will be physically present in Ontario for at least 153 days in any twelve-month period to retain health coverage.
The bottom of the form is detachable and should be retained by you. It is pre-printed with a health number assigned to your baby. You should keep this record and use it until you receive the babys plastic Ontario health card.