Expert Support and Resources for Your Insurance Needs

Most insurance companies provide an online directory or search tool to find in-network providers. Log into your member account or use the insurance company’s mobile app to access this information.

A deductible is the amount you pay out-of-pocket for covered services before your insurance begins to pay. Generally, plans with higher deductibles have lower monthly premiums.

You can usually file claims online through your member account, via the insurance company’s mobile app, or by contacting your insurance agent. For medical claims, in-network providers often file claims on your behalf.

Preventive services include routine check-ups, screenings, and vaccinations. Most health insurance plans cover preventive services at 100% when you use in-network providers.

You can usually update your information through your online member account or by contacting your insurance agent or the company’s customer service.

A copayment is a fixed amount you pay for a service (e.g., $25 for a doctor’s visit). Coinsurance is a percentage of the cost you pay after meeting your deductible (e.g., 20% of the bill).

Review your policy’s Summary of Benefits and Coverage (SBC) or contact your insurance agent or the company’s customer service for detailed information about your coverage.