Congratulations on signing up for select health insurance! Your new card is going to come in handy when you need to access medical care, and it’s important to know when and how to use it. That’s why we’ve put together this guide on a few of our most frequently asked questions about your select health insurance card.
We want to make sure you understand the full range of benefits of having select health insurance so you can make the most of your coverage. We’ll break down what a select health insurance card is, when and where you need to use it, how to use it safely, and more. Read on for everything you need to know about using your select health insurance card.
What Is a Select Health Insurance Card?
If you’ve recently signed up for a Select Health plan, you’ll want to familiarize yourself with your health insurance card. Your ID card serves as your primary access to your plan’s benefits, and it’s important to carry it when you’re seeking medical care.
So what is it? Essentially, a Select Health insurance card is a printed or digital document with identifying information about you, like your name and policy number. Every member of your family can have their own ID card that they can use to access their Select Health benefits. In some states and plans, you may even get additional cards for dependents.
Depending on the state and plan type, ID cards can be accessed online or through a mobile app, allowing you to easily view, download and print them whenever necessary. So keep an eye on your mailbox for the hard copy of your card—or better yet, save yourself some time and access the digital version!
What to Look for When Choosing a Card
If you’re looking for a health insurance card, the two main factors to consider are eligibility criteria and credit limits. In order to be eligible for the card, you must be at least 18 years old and have a qualified income level. Additionally, the issuer of the card will assess your credit limit based on your individual circumstances.
But what should you look out for when choosing a card? First, consider convenience of use. It’s important to find a card that allows you to easily pay bills and view your balance online. Second, look for a card that offers protection—such as fraud protection and identity theft protection—so that you know your information is secure. Finally, make sure that the company offers customer service so that any questions can be answered quickly and efficiently.
By taking these factors into account, you can ensure that your select health insurance card provides you with the coverage and security you need for peace of mind.
Types of Select Health Insurance Cards
When it comes to your Select Health Insurance Card, you need to be aware of the different types available. Depending on the type of card you have, there may be different ways of using it.
Basic Plan
If you have a basic plan, your card will usually look like a traditional credit or debit card with a chip and magnetic strip. To use your card, simply swipe it when you go to receive services or make payments at an in-network provider.
Enhanced Plan
If you have an enhanced plan, such as an HSA or FSA account, you will typically get a card that looks more like a gift card with a pin number to enter when making payments or receiving services. This is done for added security for these specialized accounts and helps protect members from fraud and identity theft.
Medicare/Medicaid
If you are enrolled in Medicare or Medicaid, you may have another kind of select health insurance card called an insurance identification (ID) card. This ID provides proof of your insurance coverage and includes important information such as policy numbers and contact numbers for customer service representatives if needed. You can use this ID whenever you need to show proof of coverage such as visiting the doctor’s office or filling prescriptions at your local pharmacy.
No matter what type of select health insurance card you have, rest assured that all provide access to the same quality care in-network providers practice. Knowing which kind of health insurance select card you have can help ensure that when it comes time to use it, there won’t be any confusion — just peace of mind knowing everything’s taken care of!
How to Activate Your Card
When it comes to activating your select health insurance card, it’s more of a ‘when’ than a ‘how.’ That said, understanding how to activate the card is still important. In most cases, you’ll need to call or go online and provide some personal information in order to activate the card. The exact process will depend on the type of card you have—some cards require activation through an ATM or at a bank branch, while others may need additional setup steps after they are activated.
No matter what, activating your select health insurance card shouldn’t be too complicated and shouldn’t take too long – all you need to do is follow the instructions provided so that you can start using your card as soon as possible.
The Various Types of Plans Available
When it comes to selecting a health insurance plan, there are plenty of options available, from Health Maintenance Organizations (HMOs) to Preferred Provider Organizations (PPOs), and more. It’s important to understand the difference between them so you can make an informed decision about which plan is best for you.
Health Maintenance Organization (HMO)
Typically, with an HMO plan, you will select a Primary Care Physician (PCP). Your PCP will provide routine care and refer you to specialists within the network for other types of services. In many cases, the plan will require you to receive prior authorization before seeking care from specialists outside of the network.
Preferred Provider Organization (PPO)
A PPO offers more flexibility in terms of choosing providers and doctors outside of your network, however there is usually an additional cost associated with this level of freedom. With a PPO plan, you also typically don’t need to select one doctor as your primary care physician. This provides greater freedom and flexibility in terms of where and when you can receive medical care.
Traditional Fee-For-Service Health Insurance Plans
These types of plans give you maximum freedom in terms of who you can choose as your doctor or provider. This comes at a cost though—these plans are usually the most expensive option out there and often have higher deductibles.
What Benefits Does Your Select Health Insurance Card Provide?
You might think your Select Health Insurance Card (SHIC) is just a regular prepaid and re-loadable MasterCard, but it offers a lot more than that.
Earn wellness rewards
When you use your SHIC, you can earn up to $240 in wellness rewards per year. Rewards come in the form of cash back on health-related purchases at certain stores and businesses.
Plan details & claims information
You can also access plan details and claims information at no cost. Plus, you can access ID cards wherever you go!
Over-the-counter health products
Your SHIC also allows you to to purchase over-the-counter health products with tax-free dollars. This means you can get the products you need without worrying about hidden costs or fees.
So don’t forget your SHIC the next time you go shopping for health-related items — it can help save money, provide easy access to plan details and claims information, and even get you some extra rewards!
How to Submit Claims and Use Your Select Health Insurance Card
When it comes to using your Select Health Insurance Card for claims, it’s simple and easy. All you have to do is fill out a Claim Reimbursement Form and submit it. Attaching relevant documents is easy with the Provider Benefit Tool, making the whole process painless.
Plus, if you’re unsure about whether a service is covered by your plan or not, you can always get in touch with Member Services at 800-538-5038 to ask your questions before you even submit a claim.
Whatever type of claim you are submitting, make sure that you include all the relevant documents required to complete the submission. That could include medical records, receipts or other proof that the services were actually performed. Having these documents handy will make the process go much smoother and ensure that your claims are processed quickly and correctly.
Getting the Most Out of Your Plan With Your Select Health Insurance Card
You just got your Select Health Medicare Flexible Benefits Card and you’re ready to take advantage of the plan benefits. Now it’s time to learn when and how to use your card.
First, you should know that you can use your Select Health Insurance Card any time you need medical supplies or services that are covered by your plan. Whether you’re buying prescriptions, visiting a specialist, or needing durable medical equipment, your card is always ready to help.
Additionally, if you’re a Select Health member, you can access Over-the-Counter (OTC) Benefit with your card as well. This means that every January 1st and July 1st, you’ll get $60 in funds that can be used towards non-prescription items like allergy medicine and aspirin. You can even earn up to $240 per year in Wellness Rewards by doing things like getting recommended vaccinations or screenings.
Getting the most out of your plan with your Select Health Insurance Card is easy—just remember to use it at any medical provider or store that accepts MasterCard and check back regularly for new ways to redeem cash rewards!
Common Mistakes to Avoid When Using Your Select Health Insurance Card
Using your health insurance card does not have to be complicated, but there are some common mistakes you should avoid.
First, do your research and make sure that the health insurance card you receive is the best possible option for you. It might seem like a no-brainer, but not taking the time to research all of your options can cost you a lot in the long run.
Second, factor in any coverage details and extra add-ons when selecting your policy. For example, if you are getting benefits through a network plan associated with your card, consider if that network is comprehensive and covers any potential medical needs you have.
Third and finally, be sure to disclose accurate information about your medical history when signing up for a plan. It’s important to stay honest here—misrepresenting yourself can lead to denied claims or worse.
By avoiding these three common mistakes when using your select health insurance card, you’ll ensure that you’re taking full advantage of the coverage options available to you—so get out there and start making smart decisions about your healthcare today!
Conclusion
Knowing when and how to use your Select Health Insurance Card can save you time and money, and help you get the health care coverage you need when you need it. As you become more familiar with your plan and its benefits, you’ll learn more about what is and isn’t covered, and how you can use your card to get the most out of it.
Remember, nothing is more important than taking care of yourself, your family, and your finances. With the proper understanding of your Select Health Insurance Card, you can do all three.