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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.

Explore by topic Frequently asked questions Insurance basics Health insurance deductibles In-network vs out-of-network How to read your explanation of benefits Common health insurance terms Coinsurance vs copay Your member ID card Back to top
A guide to Health Savings Accounts

A Health Savings Account (HSA) can be a valuable tool for managing health care expenses and long-term financial goals. Discover how HSAs work and the tax benefits that can help you grow your savings.

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What is a health insurance premium? 

Understanding your health plan starts by learning about your health insurance premium. This is the amount you pay each month to keep your health coverage active.

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What the Affordable Care Act means for you

Learn what the Affordable Care Act (ACA) is, what it changed for health insurance, and how to shop and enroll in an ACA health insurance plan.

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Navigating insurance How to submit a claim What are special enrollment periods? Understanding the appeals process What is step therapy? How to request prior review and authorization How to get health insurance Back to top
Your guide to supplemental health insurance

Supplemental health plans work alongside your main health insurance plan to help cover the extra costs that can come with an accident or serious illness. Learn more about the additional coverage.

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Health insurance options for young adults

Navigating health insurance for the first time can be intimidating. Learn about common coverage options and how to choose the plan that fits your life and your budget.

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Health care coverage while traveling

A great vacation takes time, effort, and planning – and one of the best ways to protect your carefully planned trip is to understand your health coverage before you leave home.

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Prescriptions What is a mail-order pharmacy and what are the benefits? Understanding prescription drug benefits How to request non-formulary drugs Understanding prescription drug costs Durable medical equipment coverage for CPAPs and more Back to top
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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How to navigate drug shortages

Occasional disruptions in the supply chain can make it harder to get some medications at times. Learn what you can do to get by during a drug shortage.

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Understanding specialty pharmacies

Learn how specialty pharmacies are different than traditional ones and how insurance can help you get the specialty medicine you need.

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Health care Where to go for care Does insurance cover colonoscopies? Choosing a primary care physician Does insurance cover therapy? Mammograms and coverage: What to know before going Diagnostic testing explained Does insurance cover breast pumps? How health insurance works Back to top
What is telehealth and when should you use it?

Getting medical care doesn't always require a trip to the doctor's office. Telehealth can make it easier to access care, save time, and get support for a variety of health concerns.

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How health care specialists help you get the right care

Your primary care doctor helps with everyday health needs. But if you need more specialized care, a specialist can help. Learn what a health care specialist does and how referrals and insurance coverage work.

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What is preventive care? 

While health care is continually evolving, one thing remains true: prevention is the best medicine. So what is preventive care, why is it important, and what does it include?

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Dental care Does insurance cover dentures? How insurance works in a dental emergency Does insurance cover braces? Back to top
Dental implants: Procedure, costs, and coverage

If a tooth is missing or can’t be saved, a dental implant can replace it and help you eat, speak, and smile with confidence. Discover how the procedure works and how your insurance can help.

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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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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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Vision care Back to top
Understanding how vision insurance works

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

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Does insurance cover LASIK eye surgery?

Before you consider the procedure, it's important to understand your insurance coverage.

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Does insurance cover contacts?

If you wear contact lenses, you may wonder whether your insurance plan offers full or partial coverage.

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