Each person covered by a health insurance plan surely has a unique ID number which allows healthcare providers and their staff to verify coverage and arrange payment for services. Also, it is the number health insurers use to look up specific members and answer questions regarding claims and benefits.
The Location of the Policy Number on United HealthCare Card
Based on the research, the policy number should be the Member ID number on the insurance card. If you are dealing with a paper card, then the policy number is an alpha-numeric code located in the lower-right corner of the card. If you have a plastic card, then the number can be located in the same place, or underneath the card number on the front of the card.
Typically, the location of the Policy number is on your insurance card. So, you will be able to see the Policy number easily. Your health care provider can utilize the Policy number to verify your eligibility and coverage. In addition, you are able to give this Policy number to your health insurance company in order to be able to look up your information when you have any question about your benefits and any claims.
If you have family members who are listed on your insurance plan, they are going to have their own policy number because it is utilized for identification purposes and billing procedures. Keep in mind that your policy number is what identifies you as a covered individual under your current or previous plans. Of course, it is extremely important because if you get married, change jobs or divorced, your policy number needs to match the new situation. If you move out of the state, then your policy number needs to reflect where you live.
Your Member ID Card – What You Need to Know About Using Your United HealthCare Card
When you sign up for health insurance, then your health plan is going to send a member identification (ID) card to you and your covered family members. Your member ID card is proof that you have health insurance. Health care providers utilize the information from your member ID card to confirm that they are part of your plan’s network and to bill your health plan for your care. Several plans have mobile apps which let you share the member ID card on your smartphone or tablet. Please keep your member ID card carefully because some of reasons:
- You will need it to go to the doctor
- You will need it to go to the hospital
- You will need it to have lab work done
- You will need it to get a prescription filled (if your plan has drug coverage)
Examples of Information Found on Your Member ID Card
There are several examples of UnitedHealthcare member ID cards. Your member ID card will vary depending on your specific health plan and coverage.
Members with insurance via your employer:
Your member ID number and group number enable healthcare providers to verify your coverage and submit claims for health care services. Also, these numbers help UnitedHealthcare advocates answer any question about your benefits and claims.
- Member ID number
A member ID number which links to your specific health insurance benefits and coverage.
- Group number
This group number is unique to your company. It is the same for all employees who participate in the insurance plan.
If you are the policyholder, your name and other family members are covered under your health plan.
- PCP (Primary Care Provider)
Several plans need members to select a PCP (Primary Care Provider). If required, your Primary Care Provider will be listed on your member ID card. A Primary Care Provider is your main point of contact for most health problems. PCP can be a licensed physician, physician assistant, nurse practitioner, or clinical nurse specialist.
If your plan has copays, then the copay for certain services will be listed on your member ID card. Need to know that your copay is the fixed amount you pay for particular covered health care services. Usually, it is paid when you receive the service.
- Your network
Before choosing a PCP (Primary Care Provider), you have to check that they are in your plan network. You are able to call the service number on your member ID card, or you are able to sign in to your health plan account and search the provider directory.
- Referrals required
If this appears on your card, you are able to check your benefit plan documents to see which services require a referral from your PCP for medical care beyond what your PCP can provide.
- Pharmacy benefits
If your plan includes pharmacy benefits from OptumRx®, then your member ID card lists the numbers your pharmacy needs to verify your insurance coverage when filling prescriptions.
- Member ID number
For note: The back of your member ID card includes contact information for providers and pharmacists to file claims. Also, it includes the member site and health plan phone number, where you are able to check benefits, find a doctor, view claims, ask questions and more.
Preventing Medical Identity Theft
Unfortunately, new health care fraud and abuse schemes are constantly happening. Fortunately, they are also regularly uncovered. For this case, you are able to help protect yourself and your family by staying informed.
Here are some tips to safe your personal information:
- You have to treat your member ID card as you would your credit card.
- You do not ever give personal information, such as your member ID number, debit/credit card number, or other personal information on a phone call you did not initiate.
- You do not let anyone except your physician’s office handle your member ID card. If anyone else requests your personal information, please do not give it.
- You do not ever accept free medical equipment or services in exchange for your member ID number.
- You should shred financial documents before discarding.
- You have to monitor your financial accounts regularly.
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