How to Use Your Health Insurance Company's Website and App

Learn how to check your benefits, find doctors, and understand your claims using your insurance company's online portal.

At a Glance

Find your insurance company's website or app

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Your health insurance company has a website and usually a phone app where you can manage your benefits. 1. Look at your insurance card — the company name is on the front (examples: Blue Cross Blue Shield, Aetna, UnitedHealthcare, Cigna, Humana, Kaiser Permanente) 2. The website address is usually on the back of the card 3. You can also search the company name in the App Store or Google Play Store to download the app Common websites: - Blue Cross Blue Shield: bcbs.com (then find your state) - UnitedHealthcare: myuhc.com - Aetna: aetna.com - Cigna: mycigna.com - Humana: humana.com

Quick Tip

Take a photo of the front and back of your insurance card and save it on your phone. This way you always have your member ID and the company phone number handy.

Create an account and log in

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You need an account to see your personal information. 1. Go to your insurance company's website or open their app 2. Look for "Register," "Create Account," or "Sign Up" 3. You will need: - Your Member ID (on the front of your insurance card) - Your date of birth - Your zip code 4. Create a username and password 5. Set up a security question Once registered, you can log in anytime to see your benefits, claims, and more.

Check your benefits and coverage

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Once logged in, you can see exactly what your plan covers. 1. Look for "Benefits," "My Plan," or "Coverage" in the menu 2. You will see information like: - Your deductible (how much you pay before insurance kicks in) and how much you have met so far - Your copays (the flat fee you pay for doctor visits) - Your out-of-pocket maximum (the most you will pay in a year) - What services are covered and what your share of the cost is This is very useful to check before a procedure or doctor visit so you know what to expect.

Find a doctor in your network

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Using a doctor "in your network" saves you money. Here is how to find one: 1. Log in to your insurance website or app 2. Look for "Find a Doctor," "Provider Search," or "Find Care" 3. Choose the type of doctor you need (primary care, specialist, dentist, etc.) 4. Enter your zip code 5. The results will show doctors near you who accept your insurance 6. Look for details like the doctor's address, phone number, whether they are accepting new patients, and their ratings Seeing a doctor outside your network usually costs much more, so always check first.

View and understand your claims

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After you visit a doctor, your insurance company processes a "claim" — this is the record of what was billed and what insurance paid. 1. Log in and look for "Claims," "My Claims," or "Claim History" 2. Each claim will show: - **Date of service** — when you went to the doctor - **Provider** — the doctor or facility name - **Billed amount** — what the doctor charged - **Plan paid** — what your insurance paid - **Your responsibility** — what you owe 3. If a claim says "Pending," it is still being processed 4. If a claim says "Denied," click on it to see why. You can often appeal the decision Review your claims regularly to catch any errors.

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