Frequently Asked Questions
- What if I go to the emergency room and the doctor assigned to me is not a participating provider?
- What if my provider wants to perform a procedure at a non-participating facility?
- What is the Table of Allowance?
- If I have two insurance plans, could I still have out-of-pocket expenses?
- I have coverage under more than one plan, how do I file claims with the secondary carrier?
- When will I receive my EMI Health ID card?
- Will my plan pay for a routine or screening colonoscopy?
- How can I determine what services are subject to the deductible?
- Are out-of-pocket maximum and out-of-pocket expenses the same thing?
- What immunizations are covered by my plan?
- What diabetic suppplies are covered under my plan?
- Can I add, change, or terminate coverage during the plan year (outside of my Open Enrollment period)?
- How can I access EMI Health’s secure online services?
- Can I pay my premium online?
- How can I determine what my medication will cost before I fill my prescription?
What if I go to the emergency room and the doctor assigned to me is not a participating provider?
Answer: In the case of a legitimate emergency, the claim will be paid as participating to the Maximum Allowable Charge. It is possible that a non-participating doctor or hospital may balance bill you for amounts exceeding the Maximum Allowable Charge. Depending on the staffing in the Emergency Room and the seriousness of your condition, you may not have a choice of physicians. However, if you are in a participating hospital, and you are able, consider requesting a physician that participates with your health plan.
What if my provider wants to perform a procedure at a non-participating facility?
Answer: Benefits are generally greater for services provided by participating facilities. While your plan may have a lesser benefit for non-participating facilities, EMI Health will not reimburse a non-accredited facility. You have the right to request that a participating provider perform the services in a participating facility. Of course, the decision of which providers to use is yours. If you decide to use a non-participating facility, be sure to confirm that it is accredited when considering your benefits.
What is the Table of Allowance?
Answer: The Table of Allowances is the schedule for payment of eligible charges.
- All benefits are subject to the Table of Allowances. For example, if a provider charges $125 for a procedure for which the Table of Allowances permits a $100 payment, EMI Health will pay the specified percentage of $100, not $125.
- Participating providers have agreed to write off any amounts in excess of the Table of Allowances. Nonparticipating providers are under no such obligation.
- If EMI Health pays for services from a nonparticipating provider according to the Participating Provider Option of your plan (because of an emergency situation), you may still be responsible for any amount exceeding the Table of Allowances.
If I have two insurance plans, could I still have out-of-pocket expenses?
Answer: You may still need to pay some expenses out-of-pocket. EMI Health will never pay more than we would have paid if we were the primary carrier.
- The plan deductibles, copayments, and Table of Allowances still apply. For example, if the claim is for $100, and the primary carrier paid $80 (leaving a balance of $20), and your EMI Health plan has a $100 deductible, the $20 balance would be applied toward your deductible, but EMI Health would not pay anything toward that claim. However, if your EMI Health plan would have paid $80 (with no deductible) as the primary carrier, EMI Health would pay the $20 balance.
- Coordination rules for high deductible health plans (HDHP) may vary, due to federal regulations.
I have coverage under more than one plan; how do I file claims with the secondary carrier?
Answer: Most providers will file the claims with both insurance companies if you give them all of the information. When EMI Health is the secondary carrier, we require an explanation of benefits from the primary carrier, as well as an itemized statement from the provider, including the medical diagnosis and procedure codes.
When will I receive my EMI Health ID card?
Answer: You should receive your card within two weeks after EMI Health receives your enrollment application.
- You will receive two ID cards attached to the bottom of a welcome letter. EMI Health will never send you junk mail, so please carefully review anything you receive from EMI Health. You can also access your ID card through the EMI Health app.
- If you require medical services or prescriptions after your effective date, but before you receive your ID card, check the mobile app. If it is not yet available there, contact EMI Health enrollment department at 800-662-5851.
Will my plan pay for a routine or screening colonoscopy?
Answer: One screening colonoscopy a year is covered at 100 percent when you use a participating provider. If you have a medical condition or are experiencing symptoms, medically-necessary colonoscopies are covered according to the appropriate benefits of your plan (usually outpatient medical/surgical).
How can I determine what services are subject to the deductible?
Answer: Look for the symbol identified on your Summary of Benefits chart.
- The deductible is the amount you must pay for eligible expenses out of your own money before any benefits will be paid by your plan.
- Most plans include separate deductibles for Participating Provider Option benefits and Nonparticipating Provider Option benefits.
Are out-of-pocket maximum and out-of-pocket expenses the same thing?
Answer: When you have satisfied any applicable deductible and paid eligible expenses up to the out-of-pocket maximum, the plan will pay remaining eligible expenses at 100 percent of the Table of Allowances. However, this does not mean that you will not have any additional out-of-pocket medical expenses.
- If you receive any service or treatment specified as a limited benefit, the plan will pay for services only up to the specified amounts.
- Any expense incurred for amounts in excess of the specified percentage, day, or dollar limits, and expenses you pay for not following preauthorization procedures, will not be reimbursed by the plan and will not accumulate toward the annual out-of-pocket maximum.
- The Participating Provider and Non-participating Provider Options each have a separate out-of-pocket maximum.
What immunizations are covered by my plan?
Answer: Most plans cover immunizations that are recommended by the Advisory Committee on Immunizations Practices of the Center for Disease Controls and Prevention (CDC) at 100 percent if received from a participating provider.
What diabetic supplies are covered by my plan?
Answer: Diabetic equipment and supplies fall under various provisions of your plan, including the major medical benefit and prescription drug (pharmacy) benefit. Here are some common coverages. Contact customer service for the specifics of your plan.
Can I add, change, or terminate coverage during the plan year (outside of my Open Enrollment period)?
Answer: Generally, changes to coverage can only be done during the Open Enrollment period. However, some life events will qualify you for a Special Enrollment period during the plan year. Special Enrollment qualifying events include marriage, divorce, birth, adoption, death, or loss of other insurance coverage. If you experience a qualifying event and wish to add, change, or terminate coverage, contact your plan sponsor as soon as possible, but no later than 31 days after the qualifying event.
How can I access EMI Health’s secure online services?
Answer: Setting up a My EMI Health account is easy. Simply go to www.emihealth.com, hover over the Login button on the top right-hand corner, and select My EMI Health. Click on Register, and select Member as the type of account. Enter the information requested to identify yourself and click Continue. Make sure to have your Member ID card handy; you will need the ID number found on your card to register your account.
Once your account is registered, you will have secure online access to view benefit descriptions, review enrollment, check claims, order ID cards, manage your prescriptions, access the Smart Cost Calculator, and more—either on our website or through the EMI Health Mobile App.
Can I pay my premium online?
Answer: Once you are enrolled in our system and receive your first monthly billing invoice, you may pay your bill online at www.emihealth.com. Simply hover over the Login button on the top right-hand corner and select Bill Pay. Select either Enroll Now or Pay Now. The Enroll Now option allows you to create an account where you can view payment history and manage recurring payments. If you wish to enroll, simply complete the information requested to identify yourself. In the “Contract Number” field, enter your Member ID number found on your EMI Health ID card. The Pay Now option allows you to make a one-time payment without enrolling. You will need the billing invoice number and the last four digits of your social security number to use the Pay Now option.
How can I determine what my medication will cost before I fill my prescription?
Log into your My EMI Health account from your computer or using the EMI Health mobile app. Click on “Express Scripts.” Choose the “Prescriptions” menu and select “Price a Medication.” Provide the information requested, and you will receive a cost estimate for retail pharmacy and home delivery (if applicable). You can also compare prices between up to three retail pharmacies and between brand and generic prescriptions.