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March 15, 2018

What your health insurance card tells you

After you enrolled in Marketplace insurance, you probably got a membership package in the mail with information about your coverage. You may have also gotten a card or other document as proof of your insurance. (If you didn’t get a card, contact your health plan.)

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3 things to know about your membership package & insurance card

  • Read your membership materials carefully: You may need them when you see a doctor or if you call your insurance company with questions. If you don’t understand the materials you got, call your health plan and ask them to explain.
  • Review your insurance card: It shows your member and group numbers, your plan type, and a phone number to call for questions about finding a doctor or what your plan covers.
  • Store your insurance card in a safe place: If someone else uses your insurance card or member number to get prescription drugs or medical care, they’re committing fraud.

Learn more about understanding your membership (PDF) and plan materials.

March 8, 2018

Understanding key health insurance terms

Insurance plans can differ in which providers you can see and how much you have to pay. It’s important to understand your costs and key health insurance terms, so you’ll know what services your plan will pay for and how much each visit or medicine will cost.

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Important key words explained

  • Deductible: The amount you owe for covered health care services before your health insurance or plan begins to pay.
  • Copayment: An amount you pay as your share of the cost for a medical service or item, like a doctor's visit.
  • Coinsurance: Your share of the cost for a covered health care service, usually calculated as a percentage (like 20%) of the allowed amount for the service.
  • Premium: The amount you pay for your health insurance or plan each month.
  • Network: The doctors, hospitals, and suppliers your health insurer has contracted with to deliver health care services to their members.

Browse our glossary for more health insurance definitions, and get more information on how your costs work together.

March 1, 2018

Put your health first: Using your 2018 Marketplace insurance

You can use your Marketplace health insurance when you’re sick and when you’re well. Follow these tips to help maintain your health:

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Put your health first

  • Take advantage of free preventive services: Preventive care, like shots and screening tests, is free with your Marketplace plan when delivered by a doctor or provider in your plan’s network.
  • Improve your mental and emotional well-being: All Marketplace plans cover mental health and substance abuse services as essential health benefits.
  • Stay organized: Use this booklet (PDF) to keep all your health information in one place. This helps you easily track your coverage information and care.

Get more information on using your Marketplace coverage

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