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Members Knowledge Center

Our Knowledge Center features helpful articles with simple and reliable information for all your insurance questions, from how to submit a claim to how to find the right doctor.

Frequently asked questions
Basics

Knowing the basics of insurance can help you get the most out of your plan and help you live your healthiest life.

Health insurance deductibles In-network vs out-of-network Glossary of common insurance terms Coinsurance vs copay
How does dental insurance work?

Dental insurance is purchased separately from your regular health coverage. Learn how dental insurance can benefit your long-term dental health.

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How to read your health insurance card

Your health insurance card is also your member ID card. It proves you're covered for services at a doctor's office, urgent care, or hospital.

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Understanding how vision insurance works

Explore how vision insurance can help you effectively manage your eye health and prevent issues.

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Prescriptions

Most health insurance plans come with prescription drug coverage. Learn more about accessing and affording medications.

Understanding prescription drug benefits Find care Drug search
How to switch pharmacies

As the patient, you're responsible for transferring prescriptions when changing pharmacies. Learn how to make the switch and key factors to consider.

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Prescription drug costs

Understanding prescription drug costs, types, and tiers can be challenging. Let us explain what goes into prescription medications and their costs.

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Getting non-formulary drugs

Your doctor may suggest you take some non-formulary drugs, or those not on your approved list. Learn how to request coverage of non-formulary medications.

 

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Navigating insurance

When it comes to the logistics of insurance, we have guides to help.

What are special enrollment periods? Member forms Understanding the appeals process
How to submit a claim

Need to submit a claim for medical services you received? Learn about when and how to file a claim.

 

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Requesting prior review and authorization

Your health insurance provider may require your health care provider to submit a prior review and authorization before your plan will cover costs.

 

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How to read your EOB

Learn more about what’s in an explanation of benefits (EOB) and how to read the documents sent along with it.

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Care

Knowing how to find the right care when you need it can be a challenge. Learn the basics to take control of your health.

Does insurance cover contacts? Choosing a primary care doctor Does insurance cover colonoscopies? How insurance works in a dental emergency Does insurance cover braces?
Where to go for care

Knowing where to go when you have a health issue is vital to getting the care you need, when you need it. It can also save you time and money.

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A quick guide to preventive dentistry

It's crucial to focus on preventive dental care so you can avoid painful and costly problems that could impact your health.

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Does insurance cover therapy?

If you're considering starting therapy, it's crucial to know whether your health insurance includes relevant mental health benefits.

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