Your ID Card

Your member ID card is your ticket to health care

You will receive your member ID card after enrollment. You should carry it with you when seeking care so your provider knows what coverage you have and can file claims for you. You’ll need your member ID card any time you visit a:

  • Doctor
  • Hospital
  • Urgent Care Clinic
  • Pharmacy
  • Anywhere you get health services

You can download a mobile ID card or order additional ID cards at

Effective date – when coverage begins

Your member ID card should come to you in the mail with a Schedule of Benefits letter. This paper is important as it details the effective date of your policy. The effective date is the day you can begin using your insurance to see your doctor and get prescriptions filled.

Activate your online account

Your member ID card may have an “Active online at” sticker attached to it. You are not required to activate an online account to use your card or your health or dental benefits. Your card is active on the effective date of your plan.

To manage your plan, we encourage you to activate a online account. is your secure member portal to help you get the most out of your coverage, 24/7.

Next, manage your plan.



The percentage of the bill you pay after your deductible has been met.


A fixed amount you pay when you get a covered health service.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider. 


The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.


Includes behavioral health treatment, counseling, and psychotherapy

in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)


Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.


If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.


The amount you pay to your health insurance company each month. 

Preventive services

Health care services that focus on the prevention of disease and health maintenance.


Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).


A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.