INSURANCE 101

Health Insurance Made Simple

Get the basics, understand your options, and get the most out of your benefits.

WELCOME TO EMI HEALTH

Your ID Card Is on the Way

Once you enroll, we’ll mail your EMI Health ID card right to your home. Keep an eye out—it’s one of the first things you'll receive.

Your card includes your member ID number and a section for each type of coverage you have—medical, dental, and/or vision. Each section shows your plan name, basic benefits, and the network you can use.

Flip the card over for important details your provider needs, including:
• How to verify your coverage
• Instructions for pre-authorization
• Claims-filing information
• Customer service contacts for you and your providers

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

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Need help registering? View step-by-step instructions here:  English | Spanish

YOUR EMI HEALTH ACCOUNT

Register Your Account

Once you have your Member ID number, you are ready to access your EMI Health 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

Get started at emihealth.com: Click “Sign-in/Register” to create or access your account.

COVERAGE BASICS

Quick answers to help keep your plan running smoothly.

ELIGIBILITY

WHO'S ELIGIBLE?

If you are eligible for benefits, you can cover your legal spouse, your children up to age 26, regardless of student or marital status, with the exception of life insurance which would end if your dependent child gets married. Dependents of any age with who are disabled can also be covered.

LIFE EVENT

WHEN YOUR LIFE CHANGES

Due to IRS regulations, you can only elect to make changes to your health insurance coverage during the annual open enrollment unless you experience a qualifying life status change during the year. Qualified events outside the open enrollment period allow you to add and/or remove yourself and your dependents

Common examples of qualifying life status changes are:

  • Marriage
  • Divorce
  • Birth or adoption of a child
  • Child reaching age 26 • Death of a spouse or child
  • Change in child custody
  • Change in coverage elections made by your spouse (or parent) during their employer's open enrollment period
  • Loss of coverage under your spouse’s plan
  • Loss of coverage under your parent's plan (once you turn age 26)

Documentation of the event, such as a marriage certificate, divorce decree, letter of coverage, or loss of coverage notice is required to finalize the change. If the supporting documentation is not submitted within the allotted timeframe, the earliest opportunity to make changes to your elections would be the next annual open enrollment period. Changes to your health insurance elections due to a qualifying life status change need to be made within 31 days of the event. Notify your HR representative or call EMI Health customer service for help.

COBRA

CONTINUING COVERAGE AFTER TERMINATION

Under most circumstances, you and your dependents may continue to participate in select benefit plans through COBRA after you terminate. You will be advised of your COBRA rights if you experience a COBRA-qualifying event. For more information, contact EMI Health customer service at (800) 662-5851.

COORDINATION OF BENEFITS (COB)

WHAT YOU NEED TO KNOW

If you, your spouse, or any dependents have other health insurance in addition to your EMI Health plan, we’ll need a quick form from you. It’s called a Coordination of Benefits (COB) form, and it helps us understand how your coverage works alongside your other plan.

Why it matters:
Having accurate COB information on file ensures your claims are processed smoothly and prevents delays or overpayments. It also helps us keep your EMI Health plan running efficiently and cost-effectively.

What to do:
Just fill out the COB form and return it to EMI Health as soon as possible. You can find the form [link to form] and send it back using the instructions provided.

Need help?
If you’re not sure whether this applies to you or how to complete the form, we’re here to help. Reach out to our Member Services team at (800) 662-5851 (Monday-Friday 6:00 am - 6:00 pm) and we’ll walk you through it.

NEW TO EMI HEALTH?

Resources to Get Started

ID CARD

How to Use Your EMI Health ID Card

View ID Card Instructions:  English |  Spanish
FIND CARE

How to Find an In-Network Provider

View Provider Search Instructions:  English | Spanish
CLAIMS

Understanding the Claims Process

View Claims Process Guide: English | Spanish
EOB'S

How to Read Your Explanation of Benefits (EOB)

View EOB Guide: EnglishSpanish
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: App Store | Google Play

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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) 262-5851
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.