Find your health insurance member ID

Here are a few ways to find your member ID: 

• Check your mailbox: most health insurance carriers mail ID cards in an unmarked white envelope to your home address within a few weeks of your coverage effective date. If you're enrolled in an HSA, FSA, or commuter benefits with Gusto, we'll send you an email when your card is in the mail and it'll arrive in 7-10 business days.
• Look in Gusto: if the carrier provides your group or member ID to Gusto and we're your broker, we'll store them for you. Follow the below steps to find them in the Benefits section of your employee account. 
• Ask your insurance carrier: call your carrier’s member services line or sign in to your carrier's member portal if you have an account. They may also be able to send you another copy of your physical ID card. 
• Try your SSN: dental and vision carriers normally use the primary insurance holder's Social Security number as 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. 

1. Sign in to your Gusto employee account. 
2. Go to the Benefits tab.
3. Click on the account or benefit type that you need your ID for.
   • If your enrollment is still processing and you need to access care, see below. 
4. If your carrier provided us your group or member ID, it's listed in the Benefit Overview tab.

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:

1. Call your insurance carrier to confirm the status of your enrollment and the effective date of the coverage.
2. Confirm your health provider is in-network with the new insurance carrier. 
   • Google your carrier’s “provider search tool” to search by provider name or facility. 
3. Seek care when you need to and save your payment receipts. You may need to pay out of pocket for now or ask your providers to delay billing.
4. Once the carrier confirms your member ID:
   • If you haven’t paid your provider yet, ask them to re-bill you for the services through your new insurance. 
   • If you paid out of pocket, file a claim with the carrier and they’ll reimburse you for covered services. Contact your carrier for information about their claims process.

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: 

• Your existing ID card should still work.
• Review your new Summary of Benefits in Gusto — the carriers may have made changes to the coverage even if you kept the same plan. Call your carrier with any questions about what's covered. 
• Pay attention to whether your deductible resets on the calendar year or the plan year. Call your carrier or sign in to your carrier's portal if you're not sure when it resets.

If you switched plans or carriers: 

• Your renewal effective date determines which plan will cover you. You can find your coverage effective dates in the Benefits section of your Gusto account.
• If you need to go to the doctor before your renewal effective date, refer to your existing plan’s network and coverage. 
• If you visit the doctor after your new plan’s effective date, even if you haven’t received a new ID card yet, refer to the new plan’s network and coverage. See the accordion above for next steps if you need to go to the doctor before your new ID card arrives.