How to check if a hospital accepts your insurance

When this matters

Practical steps

1. 1Use your exact plan name and member ID, not just the carrier name.
2. 2Verify the hospital facility, physician group, anesthesia, lab, imaging, pathology, and rehab separately.
3. 3Ask if prior authorization, referral, or center-of-excellence approval is required.
4. 4Request the insurer's answer in writing or save the reference number.
5. 5Recheck before care if the appointment is months away.