FAQ

How to find policy number on health insurance card

You may not think about your health insurance ID card very often. after all, it probably spends most of its time in your wallet, until you or your doctor or other medical provider really needs it.

However, let’s take a minute to look at the wealth of important information you can find on your card. after all, it’s your passport to care and coverage, so you need to know what all the information fields really mean.

Reading: How to find policy number on health insurance card

The descriptions below apply to most private health insurance ID cards in the United States. if you live outside the us uu. or have government-provided insurance, you may see a few different fields on your card. cdphp® is dedicated to helping you understand your health insurance, but you should always call your own insurer at the customer service number on your card if you have questions about your specific health plan or coverage.

Most health insurance cards contain clearly identifying information about who is covered and what policy you have.

operator and contact information

This is the name of your insurance company and one or more ways to contact them, such as their website and phone numbers for customer service or other specific needs. some of this information may be on the back of the card.

names of people covered

If you are the policyholder, your name will appear on the card. If you have dependents, such as a spouse or children, on your health insurance policy, their names may also appear on your card. if you are not the policyholder, your card may display your name and the policyholder’s name in separate fields.

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member ID/policy number

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Each person covered by a health insurance plan has a unique identification number that allows health care providers and their staff to verify coverage and coordinate payment for services. It’s also the number health insurers use to search for specific members and answer questions about claims and benefits. this number is always on the front of the card. if you are the policyholder, the last two digits of your number may be 00, while others on the policy may have numbers ending in 01, 02, etc.

group number

Every employer that buys a health plan for their employees also has a number. This group number identifies the specific benefits associated with your employer’s plan. health care providers use the group number plus your member ID number to submit claims for your care. If you buy insurance through a health care exchange (the marketplaces established by the Affordable Care Act, sometimes called “obamacare”), you may not have a group number.

plan type/plan name

There are many different types of health insurance plans. Insurance companies list the type of plan on your ID card to help health care providers file claims correctly. For some plan types, the plan type will be listed on the ID card (example: HMO), while Medicaid and Child Health Plus cards will have each program’s respective logo. each type of plan has different ways of handling referrals, in-network and out-of-network providers, and out-of-pocket costs. the most common types are:

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