Are you one of those people who say how do I know if my health insurance is active? If yes is the answer, then this article is for you. To keep your health insurance active, you need to regularly pay your premiums to the insurer. Every health insurance company has a different way to handle insurance payments. It is important that you follow the instructions of your health insurer to keep your health insurance active and valid. Some of the most popular health insurance companies in the United States are Medi-Cal and Medicaid. In some situations, people have health insurance but no card. Some people are not sure if they can use health insurance without a card. Keep reading this article to get the answers.
Table of Contents
- 1 How do I know if my health insurance is active?
- 2 Can you use your insurance without a card?
- 3 How to check if my health insurance is valid?
- 4 How do I know if my Medi cal is active?
- 5 How to check if my Medicaid was approved?
How do I know if my health insurance is active?
There are people who do not know if they are enrolled in a health insurance plan. If you are one of them, then you can easily find out if your health insurance is active. The easiest way to do that is to log in to your marketplace account and check the status of your health insurance.
First of all, go to the government’s healthcare website and log in to your account. You will see the tab of “Your Existing Applications.” There you should select the completed application. After that click on the tab of “My Plans & Programs.” It will show you a summary of your health coverage including what plans you are enrolled in. The starting date of your coverage depends on when you enrolled or when you changed your plans.
In case you are not sure about finishing your enrollment or you do not see a summary about your health coverage, then it is time to contact your health insurance company. A company representative can check the record and confirm your enrollment. He will also confirm that you have paid your first premium.
Access to plan enrollment material
When your enrollment is confirmed, then your plan sends you a membership package. It contains a health insurance card and enrollment materials. The health insurance card is a proof of your health insurance. You should keep the card at a safe place because you will need to use it whenever you avail health services.
It is important that you carefully review the enrollment materials. It contains useful information, especially the directory of the plan’s provider because that is from where you can get health care.
Some people do not receive the health insurance card. If that happens to you, then call your insurer and confirm if you should have received the card. Do not tell yourself I have health insurance but no card, and that’s okay. You need the card to get healthcare service. You should also confirm that your health coverage is effective.
Can you use your insurance without a card?
There are people who forget to take their health insurance card when they visit a doctor. Now the question is can you use your insurance without a card. The answer is yes! You can still use your health insurance if your card is not with you.
The right way to proceed is to call your broker and ask him if he can provide you access to the ID number of your card. When he gives you the ID number, you can use it to register on the website of your insurance carrier. Some insurance carriers also allow you to register with your date of birth or Social Security Number. The reason for letting you register on the website is to enable you to print a temporary ID card, so you can get healthcare services. You can also avail this option if your permanent ID card has not arrived yet.
Moreover, you can ask your healthcare provider to directly call your insurance carrier to verify your health benefits. You will be surprised to know that some healthcare providers automatically do this to facilitate patients. However, you must ensure before visiting the doctor that he is in-network for your insurance company.
You also have another option if you do not have your ID card yet. You can call your doctor’s office and tell them that you plan to come for a visit and also have insurance, but you will not show up in the system because the company has not completed processing your ID. If the doctor’s staff gives you a bill then don’t worry. You can pay the bill and wait until your insurer generates your member ID. Then you can contact the doctor’s office, and the staff will submit your claim to the insurance company.
How to check if my health insurance is valid?
It is always a good idea to confirm that your health insurance is valid. The first step is to enroll in a Marketplace plan. The second step is to pay the first premium to your health insurance company. Do not confuse Health Insurance Marketplace with a health insurance company. After that you can check if your health insurance is active. You must continue to pay your monthly health premiums to your health insurance company to keep your health insurance valid. You can check the validity of your health insurance online whenever you want.
Once your health insurance becomes valid, you can use your coverage to cover the medical expenses of health services such as visiting a doctor, emergency care, and filling prescriptions at pharmacies. It is always a good idea to thoroughly read the details about your health coverage provided in the enrollment materials of your health insurer. It will enable you to use your health coverage in a more efficient way.
Some health insurance companies do not pay for a specific health service or for specific health care providers. If that is your case, then you can file an appeal to your insurance company to change the decision.
How do I know if my Medi cal is active?
Medi-cal is a Medicaid program of the state of California that was initiated in 1966. It provides medical, vision and dental healthcare services to disabled and poor people. According to the Department of Health Care Services of California state, one-third of California’s population is registered for Medi-cal. It is almost a population of 13.3 million people. There are always some people who are not sure if their Medi-cal status is active. If you are wondering how do I know if my Medi cal is active, then keep reading.
When your Medi-cal status is active, you are able to get healthcare services from doctors and hospitals. There are five ways to find out if your Medi-cal status is active:
- Check your eligibility
- Contact local welfare office
- Speak with Case Manager
- Request Medi-cal to activate your status
- Use MyBenefits CalWIN online portal
Check your eligibility
Medi-cal has expanded its eligibility requirements. Therefore, many families and individuals that were previously ineligible may now be eligible for the program. To qualify, you must be a legal resident or citizen of the state of California and your earning should be less than 138% of the Federal Property Level. You can check your eligibility by filling out an online questionnaire at MyBenefits CalWIN website. If you meet the program’s requirements, then your Medi-cal status is active or you can activate it.
Contact local welfare office
Another way to find out about your Medi-cal status is to contact the local welfare office. Don’t forget that even though Medi-cal is a statewide program, local offices administer it. If you are not sure where your local welfare office is located, then don’t worry. Just go to the website of the Department of Health Care Services (DHCS) and check the list of county welfare offices. You can also find out the location of your local welfare office in your local phone book. It will be mentioned under the category of Social Services or Health and Human Services.
Speak with Case Manager
Your Case Manager is usually present at your local welfare office. When you contact the welfare office, tell them that you want to speak with your Case Manager. He will ask you to provide him with your Medi-cal identification number and your social security number. If you are wondering where you can find your Medi-cal identification number, then it is mentioned on your Beneficiary Insurance Card (BIC). In case you do not know who your Case Manager is, you can ask the local welfare office to provide you the required information. The local welfare office will also transfer your call to your Case Manager.
Request Medi-cal to activate your status
Once you get in contact with your Case Manager, he or she can tell you whether your Medi-cal status is active. If your Case Manager tells you that your Medi-cal is active, then you can start receiving healthcare services from Medi-cal. In case your Case Manager tells you that your Medi-cal status is inactive, then he can look into the details and find out the reason for it. Sometimes, a few additional steps are required to activate your Medi-cal status. After completing those steps, you can ask your Case Manager to request the Medi-cal to activate your status.
Use MyBenefits CalWIN online portal
The online portal of MyBenefits CALWIN is a great way to answer the question: how do I know if my Medi cal is active? You can also use the portal to find out your benefits amount. It also allows you to view all the notices that were sent to you. Typically, the notices are about documents that are required to keep your Medi-cal status active. Some notices inform you that you qualify for additional assistance programs.
If you do not have a MyBenefits CALWIN account, then create one and enjoy the convenience to check your Medi-cal status any time you want.
How to check if my Medicaid was approved?
Medicaid provides medical care to over 73 million citizens of the United States. It is considered the program with the most coverage in the country. The US government launched Medicaid in 1965 along with two other programs CHIP (Children’s Health Insurance Program) and BHP (Basic Health Program). The aim of the programs was to provide quality healthcare to disabled people, parents, seniors, pregnant women, and low-income families.
People who apply for Medicaid are always anxious to know their status. If you are wondering how to check if my Medicaid was approved then continue reading this article.
You apply for Medicaid assistance once you know that you are eligible for it. Your coverage begins either from the first day of the month you applied or from the exact date you applied. Either date can be your first day of coverage. The office of the Center of Medicaid makes the decision which is based on your economic record and medical record. The office also informs you of the assigned date.
If you fulfill certain requirements, your Medicaid coverage can work retroactively for a period of three months before you apply at a particular month.
There are two ways to find the status of your Medicaid application:
- Contact NAMD for your state
- Check the official website
Contact NAMD for your state
To find out if your Medicaid is approved, you need to call the NAMD (National Association of Medicaid Directors) for your state. Ask them to provide you information about the status of your Medicaid coverage. You will need to provide them your Medicaid Number because it is how they identify your application and the program you have applied for.
Check the official website
Go to the official website of the Medicaid program for your state and sign in. On your dashboard, you will be able to see the status for your Medicaid program. If the status is active, then your Medicaid was approved.
Later, it is possible that your Medicaid status becomes inactive. It happens when you no longer meet the requirements for the coverage, and it stops. If that is your case, then you can file an appeal to reactivate your coverage.
When your Medicaid is approved, you receive your Medicaid Card by post. It is similar to a debit card or credit card, and it contains your personal information especially your Medicaid Number. Your Medicaid Number is printed on the front of your card.
If you do not receive your card, you should contact the Medicaid office for your state which is NAMD. The staff of the office is authorized to provide you information if your coverage is approved by Medicaid. Therefore, they will provide you with your Medicaid Number.
Remember that not every Medicaid office will provide you the required information. Only the NAMD office for the state of your residence has the information you need. They will ask you to provide your personal information which includes your address, your Social Security Number, your date of birth and your full legal name.
Some NAMD offices create online portals where you can find almost all the information you require. Create your free account on the online portal and log in. Click on the health program you applied for, and it will take you to another page. The page will contain a lot of information, and you can see your Medicaid Number there.