Already Enrolled?

Now it’s time to take control of your health and put that new insurance to work for you. Health insurance gives you so many ways to improve your life. Use it to help pay for routine checkups, doctor visits, tests, prescription medications, trips to the emergency room or hospital stays. You can even use your insurance to manage asthma, diabetes or other chronic conditions.

Using Your Insurance

  • Put your health first.

    • Staying healthy is important.

    • Get regular checkups.

    • Keep all your health information in one place.

  • Understand your plan.

    • Check with your insurance plan to see what services are covered by your plan.

    • Be familiar with your copayments, deductibles and coinsurance.

    • Know the difference between in-network and out-of-network.

  • Find a medical provider.

    • Ask people you trust.

    • Check your plan’s provider network.

    • If you are assigned a provider, contact your plan if you want to change.

    • Do research on the Internet.

  • Make an appointment.

    • Mention that you’re a new patient.

    • Provide the name of your insurance plan.

    • Tell them the name of the provider you want to see and why you want an appointment.

    • Ask for days or times that work for you.

  • Be prepared for the first visit.

    • Have your insurance card with you.

    • Bring a list of medicines you are taking.

    • Bring a list of questions to discuss with the provider and take notes during your visit.

    • Bring someone with you to help if you need.

  • Decide if you like the provider.

    • You should feel comfortable with, understand and be able to communicate with your provider.

    • Remember: It is okay to change to a different provider.

  • After your appointment.

    • Follow your provider’s instructions.

    • Fill any prescriptions you were given.

    • Schedule a follow-up visit if necessary.

    • Contact your insurance plan or provider with any questions.

The Seven Steps Above Are a Great Starting Point

Download the full guide (PDF, 2MB) from the Centers for Medicare & Medicaid Services: From Coverage to Care: A Roadmap to Better Care and a Healthier You.


You can learn more about how to use your new insurance coverage and get more information on topics like:

  • Common coverage questions

  • Getting regular medical care

  • Using coverage and improving your health

  • Getting prescription medications

  • Getting emergency care

  • Appealing an insurance company decision

Next: Medicare/Medicaid