Health insurance will help pay for your health care. It will be able to help cover services ranging from routine doctor visits to major medical costs from a serious illness. Also, it covers lots of preventive services to keep you healthy. You pay a monthly bill called a premium to purchase your health insurance and also you may have to pay a portion of the cost of your care each time you receive medical services.
Health insurance is crucial to have, but it is not always easy to understand. You may have to take several steps to ensure your insurance will pay for your health care bills. By the way, how to read Aetna Insurance Card?
Aetna Insurance Card – How to Read?
Enhancements make reading Aetna Insurance Card easier. The font size of some data on the front of HMO, PPO or based member ID cards. Aetna Health Insurance Company takes only a few minutes to register. You need your member number, which is on your insurance card. Before receiving your ID card, you need to go to the doctor, group of subsidiary companies, including Aetna Life Insurance Company and its affiliates.
- Information on your Health Insurance Card Insurance company name
The insurance company name and plan type are in the top header of the Health Insurance card.
- Member name and number
The member name is the name of the person who is covered under the insurance card plan.
- Group number
Effective date. Insurance contact information.
Identify Your Information
Every health insurance card must have the patient’s name on it. If you have insurance card through someone else, such as your parent, you might see your parent’s name on the card instead. Also, the insurance card might include other information, such as your home address, however this depends on the insurance company.
All health insurance cards must have a policy number. When you get a health insurance policy, of course that policy has a number. On your health insurance card, it is often marked “Policy ID” or “Policy #.” The insurance company usually uses this number to keep track of your medical bills.
Group Plan Number
If you have health insurance card through work, your insurance card may has a group plan number. Usually, the insurance company uses this group plan number to identify your employer’s health insurance policy. As an employee, you are going to be covered by that policy. Remember that not all insurance cards have a group plan number.
Insurance Company Contact Information
Generally, the back or bottom of your health insurance card has contact information for the insurance company, such as a website, phone number, and address. This information is crucial when you need to check your benefits (what the insurance company pays for) or obtain other information. For instance, you might need to call to check your benefits for a particular treatment, just send a letter to your insurance company, or discover information on the website.
The coverage amount informs you how much of your treatment costs the insurance company will pay. Probably, this information is on the front of your health insurance card. It is listed by percent, such as 10%, 25%, or 50%. You might see some percent amounts listed together. For instance, if you see four different percent amounts, they could be for specialty care, office visits, urgent care, and emergency room care.
In Network and Out Of Network
Probably, you see another list with two different percent amounts. The first percent, which is usually larger, shows how much the insurance company pays doctors and other health care providers who are considered in network. For note: In network means that the insurance company has an agreement with the group of providers. While the second percent amount is the amount your insurance company pays doctors and other health care providers who are out of network. Keep in mind that your insurance company does not have an agreement with providers who are outside the insurance company’s network.
You are allowed to view providers who are out of network. However, you have to pay them more than you would to a provider who is in network. When you view any health care provider, you have to pay the amount that the insurance company does not cover. To know if a provider is in network, just contact your insurance company.
Probably, you see a dollar amount, such as $15 or $25. Usually, this is the amount of your co-pay or co-payment. A co-pay is a set amount you have to pay for a certain kind of care or medicine. Several health insurance plans do not have co-pays, however many do. If you view some dollar amounts, they might be for different kinds of care, such as specialty care, urgent care, office visits, and emergency room care. If you see two different amounts, you may have different co-pays for doctors in your insurance company’s network and outside the network.
If you do not view your coverage amounts and co-pays on your health insurance card, then you are able to call your insurance company. Please use the number on the back of your insurance card. Just ask what your coverage amounts and co-pays are, and get to know if you have different amounts and co-pays for different doctors and other health care providers.
Your health insurance company may pay for several or all the cost of prescription medicines. If so, you may view an Rx symbol on your insurance card. However, not all insurance cards have this symbol, even if your insurance pays for prescriptions. Please look at your insurance card for an Rx symbol. Occasionally, the Rx symbol has dollar or percent amounts next to it, showing what you or your health insurance company will pay for prescriptions. If you are not sure if your health insurance pays for prescriptions or how much it pays, you have to call the number on your health insurance card to find out.