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.

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Insurance basics
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Learning the basics of insurance can help you get the most out of your plan and help you live your healthiest life.
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Navigating insurance
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When it comes to the logistics of insurance, we have guides to help.
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Prescriptions
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Most health insurance plans come with prescription drug coverage. Learn more about accessing and affording medications.
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Health care
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Knowing how to find the right care when you need it can be a challenge. Learn the basics to take control of your health.
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Dental care
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A little insight into your dental benefits can go a long way in helping you care for your smile.
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Vision care
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Understanding your vision insurance helps you make the most of your benefits and avoid unexpected costs.
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Frequently asked questions
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Frequently Asked Questions
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Insurance basics

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Health insurance deductibles
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In-network vs out-of-network
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How to read your explanation of benefits
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Common health insurance terms
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Coinsurance vs copay
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A guide to Health Savings Accounts
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What is Open Enrollment?
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Open Enrollment gives you the opportunity to carefully review and renew your current health insurance coverage or choose a different plan for the next year. Learn how to prepare.
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Read more about open enrollment
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What is a health insurance premium?
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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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Read more about premiums
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What the Affordable Care Act means for you
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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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Read more about the affordable care act
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How to submit a claim
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The difference between provider and facility charges
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Your guide to supplemental health insurance
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What are special enrollment periods?
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Understanding the appeals process
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What is step therapy?
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How to request prior review and authorization
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How to get health insurance
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How to add dependents to your health plan
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Learn what a health insurance dependent is, who you can add, and when to act after a major life event like getting married or having a baby so that your plan meets your changing needs.
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Read more
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Read more about adding a dependent to your health plan
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Health insurance options for young adults
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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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Read more about insurance options for young adults
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Health care coverage while traveling
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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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Read more about coverage while traveling
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Prescriptions

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

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Where to go for care
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How health insurance works
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Does insurance cover nutritionists?
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How health care specialists help you get the right care
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Choosing a primary care physician
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Does insurance cover therapy?
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Mammograms and coverage: What to know before going
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How to get a breast pump using insurance
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Diagnostic testing explained
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Does insurance cover colonoscopies?
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What is telehealth and when should you use it?
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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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Read more about telehealth
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The difference between preventive and diagnostic care
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Insurance covers preventive and diagnostic services very differently. Knowing how these two types of care work can help you avoid surprise bills and take control of your well-being.
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Read more about the difference between preventive and diagnostic care
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What is preventive care?
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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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How insurance works in a dental emergency
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Does insurance cover braces?
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Dental implants: Procedure, costs, and coverage
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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?
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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
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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

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Your guide to eye exams
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Does insurance cover LASIK eye surgery?
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Understanding how vision insurance works
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Explore how vision insurance can help you effectively manage your eye health and prevent issues.
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Read more about how vision insurance works
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Does vision insurance cover glasses?
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Learn how vision insurance may help cover the cost of glasses, including frames, prescription lenses, and common lens upgrades.
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Read more about coverage for eye glasses
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Does insurance cover contacts?
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If you wear contact lenses, you may wonder whether your insurance plan offers full or partial coverage.
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