Your health insurance ID
card is your proof of insurance.
You use it when you visit the doctor, hospital or to get your prescription at a retail pharmacy. It is also a quick reference that tells you how much your copayments are for certain services. Understanding your card can help you plan your healthcare expenses and get the care you need.
Iron Road, formerly UPREHS, is the health plan for employees of Union Pacific Railroad.
If you are the policyholder, your name will be on the card.
Each person covered by a health insurance plan has a unique ID number that allows healthcare providers and their staff to verify coverage and arrange payment for services. It’s also the number health insurers use to look up specific members and answer questions about claims and benefits. This number is always on the front of the card.
Each employer that purchases a health plan for its employees also has a number. This group number identifies the specific benefits associated you your employer’s plan. Healthcare providers use the group number plus your member ID number to file claims for your care.
There are many different kinds of health insurance plans. Insurance companies list the Plan Code on your ID card to help healthcare providers file claims properly.
Many health insurance cards show the amount you will pay (your out-of-pocket costs) for common visits to your primary care physician (PCP), specialists, urgent care, and the emergency department. This may be a flat rate (copay).
To ensure our members have access to healthcare across the U.S., we have contracted with Anthem Blue Cross Blue Shield (BCBS) to make sure you can see a provider, no matter where you live or work. Most healthcare providers who accept BCBS are in-network. It’s always a good idea to confirm before your appointment.
Certain treatments, procedures or medications require prior authorization like Sleep Studies, inpatient hospital, radiology services etc. Prior authorizations are also placed on medications to verify that all the criteria necessary to use the medication has been followed and that the medication is not being used for diseases that have not been approved by the FDA. Prior authorizations are put in place to help assure your safety and that proper procedures are followed. Prior authorizations are completed by OptumRx at 1-800-626-0072.
If your plan includes benefits for prescription drugs, you will also find some information related to them on your health insurance ID card.
Different insurance plans sometimes cover different pharmacy networks. OptumRx is our Pharmacy Benefits Manager, which means they administer your prescription benefits. Iron Road Healthcare members are required to use Depot Drug mail order for maintenance prescriptions like high blood pressure or thyroid medications. However, you can use in-network pharmacies for one-time prescriptions such as pain medication following surgery.
Your pharmacist will use this number to process your prescription. It indicates which company will reimburse the pharmacy for the cost of the prescription. Not all insurance ID cards contain this number, though.
That seems like a lot of information to pack onto a little rectangle—and it is! Still, you may find additional information on your card, such as:
You can always call the member service number on your card to ask any questions about the details of your plan.