The health plan portion of your benefits helps to pay the costs of medical services such as:
- Sick and well visits with your doctor
- Lab tests and diagnostic procedures
- Screenings and immunizations
- Inpatient or outpatient medical treatment
- Care in a hospital, urgent care center or other place of care
How health coverage may vary
How your health insurance pays for these services depends on the terms of your specific plan. And coverage may not be the same for all types of care.
For example, your plan may cover the cost of preventive services 100 percent, while you may need to meet a deductible and then continue to pay a percentage of the cost for other services.
Other requirements may also apply. Some plans will only pay if you seek care from in-network doctors. Or you may need to get a referral or prior authorization before you go for treatment.
Know your specific benefits
Want to confirm what services your health insurance plan covers? Learn more about your copays and coinsurance? See how close you are to meeting your deductible?
Up-to-date information about your specific health plan coverage is at your fingertips with My Health Toolkit®. Log in anytime from anywhere – or use the mobile app for added convenience. The app is available through the App Store or Google Play.
Check your coverage
Want to know if a specific service is covered by your plan and how much you can expect to pay out of pocket? Log into My Health Toolkit or use the mobile app.
Using My Health Toolkit to manage your coverage
When you log into My Health Toolkit, you’ll see a snapshot of your coverage, including:
- Who’s enrolled in your plan
- Deductible and out-of-pocket balances
- Recent health claims
Choose View Benefits Detail to pull up even more information. Find out how much your plan covers for certain services such as emergency care, office visits, urgent care and more.
You’ll also see information on copays, coinsurance and whether or not you need a referral.
Download the My Health Toolkit app
You can download the free My Health Toolkit mobile app through the App Store or Google Play. Just search for My Health Toolkit.