EMI HEALTH INSURANCE 101

Know Your Plan Before You Need It

Your ID card, your online account, where to get care, and who to call. Start here so your first visit goes smoothly.

WELCOME TO EMI HEALTH

Your ID Card Is on the Way

After you enroll, we’ll mail your EMI Health ID card to your home.

One card covers everyone on your plan.
The card is issued in the subscriber’s name and is used for all covered dependents.

What’s on your card:

  • Member ID number
  • Plan name and coverage type (medical, dental, and/or vision)
  • Network information

On the back of the card:

  • Coverage verification details
  • Preauthorization instructions
  • Claims filing information
  • Customer service contacts
Sample EMI Health member ID card showing the member ID, medical, pharmacy, dental, vision, and telehealth sections

View or Download ID Card Instructions
English | Spanish

Note: Your ID card may look slightly different depending on the type of coverage you have.

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Always show your EMI Health Member ID card when you check in for care. It helps avoid billing issues and makes sure your visit runs smoothly.

The emihealth.com home page on a phone, with the Sign In/Register link circled

Register Your Account

Once you have your Member ID number, you are ready to access your EMI Health online account. Our secure member website is your one-stop shop for managing your plan, viewing ID cards, tracking claims, and more—all from your desktop or mobile device.

With your online account, you can:

View your personalized dashboard
Access and print ID cards
Look up plan details and in-network providers
See accumulators for yourself and your family
Check recent claims
Explore tools and programs available to you
The emihealth.com home page on a phone, with the Sign In/Register link circledGet started at emihealth.com
Click Sign-in/Register to create or access your account.
 
View step-by-step instructions here: English | Spanish

NEW TO EMI HEALTH?

Resources to Get Started

Your ID card

See what's on your card and how to use it.

Find a provider

Search for in-network doctors and facilities.

Understand claims

Learn what happens after you get care.

Read your EOB

Understand your Explanation of Benefits statement.

CARRIER VS. NETWORK

EMI Health–who you call.
Network–where you go.

Understanding the difference helps you get care at the lowest cost, wherever you are.

The Simple Explanation: Think of EMI Health like your phone company. Your phone company stays the same, but your phone connects to different towers depending on where you are. Networks work the same way.

  • EMI Health is your insurance carrier.
    We handle your plan, billing, claims, ID card, and customer service.

  • Networks are groups of doctors, dentists, and hospitals that agree to lower prices for EMI Health members. Staying in network saves you money.
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Your carrier stays the same, but the network you use can change depending on:

  • what state you’re in
  • whether you’re at home or traveling
  • which plan you have

How Your Carrier and Network Work Together

Same plan. Same carrier.
Network may change based on location.
A phone connected to a nearby cell tower at home and a second tower when traveling, showing that EMI Health stays the same while the network changes.

EMI Health is your insurance company (carrier).
You always stay with EMI Health.

At home:
You connect to your in-state network (your main group of providers or facilities).

Away from home:
Your plan may connect to a partner network so you can still get care.

COVERAGE BASICS

Common Questions About Your Coverage

Who can I cover on my plan?

If you are eligible for benefits, you can usually cover:

  • Your legal spouse
  • Your domestic partner, if your employer's plan allows it
  • Your children under age 26, including adopted children and children for whom you or your spouse are the court-appointed legal guardian
  • Children over 26 who have a disability, if they meet certain requirements

Each employer's plan can set its own rules. For exact details, check your plan documents or ask your HR team.

Can I change my coverage outside open enrollment?

Usually no. Open enrollment happens once a year, and changes start on your plan's renewal date. The exception is a qualifying life event, like getting married, having a baby, or losing other health coverage.

What counts as a qualifying life event?

Common examples include:

  • Getting married
  • Having or adopting a baby, or having a child placed with you for adoption
  • Becoming a child's legal guardian
  • Losing other health coverage, such as a spouse's plan (loss of coverage from not paying premiums doesn't count)
  • Losing Medicaid or CHIP coverage

How long do I have to make a change after a life event?

It depends on the event:

  • Marriage, birth, adoption, or legal guardianship: 30 days
  • Losing Medicaid or CHIP: 30 days
  • Losing other health coverage: 31 days

If you lost other coverage, you'll need to send proof before your application can be approved.

Coverage usually starts on the date of the event. For example, a new baby is covered from the date of birth, and a new spouse from the date of marriage. If you miss the deadline, you'll need to wait for your next open enrollment. To make a change, contact your HR team.

Can I keep my coverage if I leave my job?

You may be able to. A federal law called COBRA lets you and your family keep your coverage for 18 to 36 months after certain events, as long as you pay the premiums on time. COBRA applies to employers with 20 or more employees. Smaller employers may offer state continuation coverage instead.

Events that can qualify include:

  • Leaving your job, unless you were fired for gross misconduct
  • Having your work hours reduced
  • Divorce or legal separation
  • The death of the covered employee
  • A child no longer qualifying as a dependent

Your employer will send you details about your options. Questions? Contact your HR team.

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What if I have other health insurance too?

Fill out a Coordination of Benefits (COB) form and send it to EMI Health. It tells us how your EMI Health plan works with your other plan, so your claims are paid correctly and on time.

Download the COB form (PDF)

Need help? Call Member Services at (800) 662-5851, Monday through Friday, 6 a.m. to 6 p.m. MT.

When does my coverage end if I leave my job?

In most cases, coverage ends on the last day of the month you lose eligibility. After a divorce, coverage for your former spouse ends on the date the divorce is finalized.

Is there a waiting period for new employees?

Your employer may have a waiting period before your coverage starts. It can't be longer than 90 days. Coverage usually starts on the first day of the month after your waiting period ends. Ask your HR team for your plan's details.

When will I get my ID card?

After you enroll, your ID card is usually ready in about a week, plus time for mail delivery. You don't have to wait for the mail. You can see your digital ID card anytime in your EMI Health online account or the mobile app.

DOWNLOAD THE MOBILE APP

Your Benefits, Right at Your Fingertips

With our mobile app, you can view your digital ID card, check claims, find in-network providers, and track your benefits on the go. It’s the easiest way to stay connected to your coverage.

Key features include:

Digital ID cards for you and your dependents

Real-time claim status and benefit details

Quick access to provider search

Secure, simple login

Download the app now: Apple | Google Play

The EMI Health mobile app dashboard on a phone, showing recent claims, plans, and eligibility
REAL HELP FROM REAL PEOPLE

Customer Service

Whether you’re looking for help with benefits, claims, ID cards, or something else—we’ve got a knowledgeable, friendly team ready to assist.

Call our Member Services team
(800) 662-5851
Monday - Friday 6:00 am - 6:00 pm
 

We’re committed to making your experience as smooth as possible. If something doesn’t make sense, just ask—we’ll walk you through it.