Find your health insurance member ID

Here are ways to find your member ID: 

• Check your mailbox: Most health insurance carriers mail ID cards to your home in an unmarked white envelope within a few weeks of your coverage effective date. If you're enrolled in a Health Savings Account (HSA), Health Flexible Spending Account (FSA), or commuter benefits with Gusto, we email you when your card ships. It'll arrive in 7–10 business days.

• Look in Gusto: When Gusto is your broker and the carrier shares your group or member ID with us, we store these numbers for you. Follow the steps below to find them under  Benefits in your employee account. 

• Ask your insurance carrier: Sign in to your carrier's member portal or call their member services line. They can also send you another copy of your physical ID card. 

• Try your Social Security number: Dental and vision carriers often 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 Health FSA, HSA, Dependent Care FSA (DCFSA), and commuter benefits IDs in your employee account. We also store insurance ID numbers  in your account when carriers provide them to us. 

1. Sign in to your Gusto employee account.

2. Go to Benefits.

3. Click on the account or benefit type that you need your ID for.

   • If your enrollment is still processing and you need care, see below. 

4. If your carrier provided us your group or member ID, you can find it in Benefit Overview.

If you need care before your ID card arrives, your doctor or pharmacy can use your member ID and group number to confirm your coverage. You can also contact the carrier directly. Many carriers provide electronic options on their website. 

Insurance carriers often finish processing coverage after the effective date passes. When approved, coverage still starts retroactively from the effective date. If your coverage is still being processed after your effective date, you may need to pay out of pocket for covered services. You can then submit a claim for reimbursement once your coverage is confirmed. 

Follow these steps if you need care but have not received an ID number:

1. Call your insurance carrier to confirm your enrollment status and coverage effective date.

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 it 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 have not paid your provider yet, ask them to re-bill you for services through your new insurance. 

   • If you paid out of pocket, file a claim with the carrier for reimbursement of covered services. Contact your carrier for information about their claims process.

Here’s what to remember as your new plan year begins after open enrollment. 

If you already had coverage and 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. Carriers may change coverage even when you keep the same plan. Call your carrier with questions about what your plan covers. 

• Check whether your deductible resets on the calendar year or the plan year. Sign in to your carrier's portal or call them if you're not sure when it resets.

If you switched plans or carriers: 

• Your renewal effective date determines which plan covers you. Find your coverage effective dates in Gusto under Benefits.

• If you need to go to the doctor before your renewal effective date, use  your existing plan’s network and coverage. 

• If you visit the doctor after your new plan’s effective date, use  the new plan’s network and coverage, even if you have not received a new ID card yet. See above for next steps if you need to go to the doctor before your new ID card arrives.