Whether you have had health insurance your entire life, or if this is your first time, here are a couple of things you need to know to make sure you are using your health coverage to the fullest:

1. Pay your premium! If your health insurance requires a premium (a monthly charge to you to keep your health insurance), make sure to pay your premium on time. Otherwise, you could be unenrolled in health coverage. Some plans don’t require a premium, and some populations are exempt from paying a premium. So, if you have questions about your premium call the number on your health insurance card.
2. Find a health care provider. This provider can be a doctor, nurse practitioner, or physician assistant, depending on your health needs. This provider will be your point of contact for your primary care needs. It is important that your provider is “in-network” so you don’t get stuck with any extra charges or fees. You can find an in-network health care provider by calling your insurance or going to their website.
3. Make an appointment with your new health care provider. When you make your appointment, confirm that your new provider accepts your insurance and that they are in network. If your provider doesn’t know if they are in your network, you can always call the number on your insurance card and ask. During your appointment ask your provider about any preventive services you may need, and those preventive services may be available at zero cost to you.
4. Fill any prescriptions you may need. Remember to bring your insurance card with you to the pharmacy (and make sure the pharmacy is in-network) and know that some prescription may cost more than others. You may be able to work with your pharmacist and provider to find a more affordable prescription that meets your needs.
5. If you have a question about utilizing your new coverage, a local Montana enrollment assister may be able to help.