When you visit the doctor or file a claim with your insurance company, you'll need the group and member ID issued by your carrier.
Here are a few ways to find your member ID:
Find your health insurance group and member IDs in Gusto
You can always find your Gusto FSA, HSA, DCFSA, and commuter benefits IDs in your employee account. If your insurance carriers provided us your ID numbers, we store those in your account as well.
If you have active coverage and need to seek treatment or fill a prescription before your ID card arrives, your doctor or pharmacy should be able to verify your coverage with your member ID and group number. You can also contact the carrier directly—many provide electronic options on their website.
The insurance carriers often finish processing coverage after the effective date has passed. If approved, coverage will still retroactively take effect as of the effective date. If your coverage is still being processed and it’s after your effective date, you may need to pay out of pocket for covered services then submit a claim for reimbursement once your coverage is confirmed. Follow these steps if you haven't received an ID number but you need to access care:
If you've just gone through open enrollment, here's what to keep in mind as your new plan year begins.
If you were already enrolled in coverage, and you chose the same carrier and plan network during open enrollment:
If you switched plans or carriers: