Once coverage begins, knowing your network, member information, prescription benefits and plan costs can help you use your health insurance more effectively throughout the year.
Review how your plan handles applicable preventive services and routine healthcare through participating providers.
Check network participation and whether referrals or prior authorization may apply before planned services.
In an emergency, seek appropriate emergency care. Coverage and billing protections are governed by applicable plan terms and law.
For non-emergency planned healthcare, a little preparation can reduce surprises.
An Explanation of Benefits shows how an insurer processed a claim. It is generally not itself a bill. Compare it with any provider bill and contact the appropriate insurer or provider if something does not make sense.
Understand EOBs & Medical Bills →Learn the common terms on your plan documents, EOBs and healthcare bills.
Open Health Insurance Glossary →