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Help Center

Pick your issue for step-by-step fixes, or jump to the carrier directory for portal logins and phone numbers. Still stuck? Submit a ticket and Chris gets back to you personally — usually within a few hours.

Troubleshoot

Common issues, solved step by step

I need a new ID card

Lost, damaged, or never received — nearly every carrier issues instant digital ID cards through its member portal or app:

  1. Find your carrier in the carrier directory below and follow its registration steps.
  2. Once logged in, look for “ID Cards” — view, download, print, or add the card to your phone's wallet.
  3. No luck? Call the member services number on your enrollment paperwork, or submit a ticket and we'll get it issued.

Tip: save the digital card to your phone's wallet — it's accepted at the front desk everywhere a physical card is.

Find an in-network doctor
  1. Use your carrier's official provider search — every major carrier's search tool is linked on our Resources page.
  2. Search by your exact plan name (printed on your ID card), not just the carrier name — networks differ between plans.
  3. Always confirm with the doctor's office that they accept your specific plan before scheduling.

Want us to check for you before you book an appointment? Submit a ticket with the doctor's name — that's a two-minute lookup on our end.

Billing issue
  1. Log in to your carrier portal (see the directory) and open your claims history. Compare the Explanation of Benefits (EOB) against the bill you received.
  2. Verify the provider billed the correct insurance — after a plan change, offices often bill the old one.
  3. If the charge looks wrong, call member services (number on your ID card) with the EOB and bill in hand — or loop us in and we'll make the call with you.
Add or remove a dependent
  1. Marriage, divorce, birth or adoption, a dependent turning 26, losing other coverage, or moving — these are qualifying life events, and you typically have 60 days from the event to make changes.
  2. Call (941) 323-0041 as soon as the event happens — we handle the paperwork and make sure the plan updates correctly rather than you fighting the carrier's phone tree.

Important: the 60-day window is firm. Miss it and the change usually waits for Open Enrollment.

Coverage question — what's covered, copays, deductibles
  1. Your Summary of Benefits and Coverage (SBC) lists everything — copays, deductibles, out-of-pocket maximums, covered services. Find it in your carrier portal under “Plan Documents” or “Benefits.”
  2. For a specific procedure, call member services and ask for a benefit verification or pre-authorization before scheduling.
  3. Preventive care — annual physicals, screenings, immunizations — is covered at 100% on ACA plans, no copay.
My claim was denied
  1. Read the EOB carefully — it contains the denial reason code and explanation.
  2. Common causes: out-of-network provider, missing pre-authorization, coding errors, or a non-covered service. Identify which before acting.
  3. You always have the right to appeal — and many denials are overturned. Call (941) 323-0041 and we'll navigate the appeal with your carrier together.

Don't accept a denial without understanding why. That's what we're here for.

Change my plan
  1. Marketplace plan changes generally happen during Open Enrollment (begins November 1) unless you have a qualifying life event — marriage, a move, income changes, losing coverage, and others.
  2. Private, dental, vision, and supplemental plans have their own change rules — often more flexible.
  3. Call (941) 323-0041 and we'll compare every option across carriers before you switch anything. We also reach out before each Open Enrollment to re-shop your plan proactively.
Something else

Check Client Resources for guides and tools, call (941) 323-0041 for anything urgent, or submit a ticket below with the details and we'll dig in.

Carrier Directory

Portals, registration steps & phone numbers

Find your carrier, follow the registration steps once, and you'll have ID cards, claims, and benefits on your phone from then on.

ACA Marketplace carriers

Alliant Health Plans
  1. Go to the Alliant Member Portal
  2. Click “Register” if you're a new member
  3. Enter your name, date of birth, gender, and ZIP
  4. Complete the 5-step registration, then view or print your ID card

The Alliant Plans mobile app also offers quick ID card access. Client Services: (866) 403-2785.

Ambetter
  1. Go to Ambetter — Get Started
  2. Scroll to “Activate Your Member Account Today” and click the activation link
  3. Register with your Member ID
  4. Your digital ID card is available in your account

Contact Ambetter (select your state).

Anthem BCBS
  1. Go to Anthem Account Login and click “Register”
  2. Download the Sydney Health app for an instant digital ID card
  3. You can also print your card from the account dashboard

Contact Anthem (log in for your plan-specific number).

Blue Cross Blue Shield

BCBS varies by location:

  1. Go to BCBS Member Login and enter your ZIP code
  2. Select your local BCBS company from the results
  3. Create an account on that company's site for ID cards and benefits

Find your local BCBS company's contact.

CareSource
  1. Go to MyCareSource and click “Create an Account”
  2. Register with your CareSource Member ID, date of birth, and ZIP
  3. View, print, or request a new ID card from your account

Contact CareSource.

CHRISTUS Health Plan
  1. Go to the CHRISTUS Member Portal and click “Register”
  2. Enter your name and Member Number (on your ID card), set a password
  3. Click “View My ID Card” on your home page to download or print

New members can register one business day after enrollment is confirmed. Member Services: 1-844-282-3025 (TTY: 711).

Cigna
  1. Go to myCigna.com and click “Register” below the login button
  2. Follow the prompts, then open “ID Cards” to view or print
  3. The myCigna app can add your card to Apple or Google Wallet

Note: Cigna doesn't mail physical ID cards — digital access is through myCigna. Support: call the number on the back of your card or use myCigna live chat.

Health First
  1. Go to MyChart by Health First and click “Sign Up”
  2. Complete the prompts, then view, download, or print your digital ID card

The MyChart mobile app (add “Health First Health Plans”) gives quick access. Phone: 1-800-716-7737 (Mon–Fri 8am–6pm ET).

Highmark BCBS
  1. Go to My Highmark Sign In and click “Register” (have your Member ID card handy)
  2. Download the My Highmark app for mobile ID card and benefits access

Highmark serves WV, PA, DE, and NY; regional portals vary. Contact Highmark or call the number on your ID card.

Medica
  1. Go to Medica Member Sign-In and click “Create account”
  2. Register with your Member ID card and date of birth — enter the full 9-digit member number plus the 2-digit identifier (e.g., 01) from your card
  3. View and download your digital ID card once logged in

Medica serves IA, KS, NE, OK, and WI; Chrome works best. Contact Medica.

Molina Healthcare
  1. Go to Molina Member Home
  2. Set “Showing information for” to your state, then click “Create an Account”
  3. View, print, or request a replacement ID card once registered

Phone: number on your ID card, or (888) 665-4621.

Oscar Health
  1. Go to Oscar — Create Account and follow the prompts
  2. Your digital ID card lives on the dashboard and in the Oscar app

Phone: 1-855-672-2788 (Mon–Fri 8am–8pm, Sat–Sun 9am–8pm ET).

UnitedHealthcare
  1. Go to member.uhc.com and click “Register Now”
  2. When asked about Medicare, select “No”
  3. Enter your name, date of birth, and Identification Number (your Member ID)
  4. Complete the prompts to finish registration

Note: your premium must be paid before your Member ID is created and cards are sent. Contact UnitedHealthcare.

Dental, vision & supplemental

UHOne (Dental / Vision / Supplemental)
  1. ID cards & premiums: uhcmemberhub.com
  2. Vision benefits: myuhcvision.com
  3. Find a dentist: on myuhcvision.com, use the search filter on the far right

Your dental and vision policy ID numbers are identical — there's no separate vision ID. Phone: 1-800-657-8205.

Ameritas (Dental PPO)
  1. A temporary ID card was emailed to you automatically at enrollment — check your inbox
  2. Manage your plan at the Ameritas Member Portal — benefits, claims, replacement cards

Phone: 1-800-487-5553.

National General
  1. Go to National General Login
  2. Register or log in for policy details, ID card, and claims

Phone: 1-800-462-2123.

Private PPO / EPO plans

Aetna EPO
  1. Go to Aetna Member Login and click “Register” (Member ID, name, DOB)
  2. View your ID card, claims, and benefits — or use the Aetna Health app

Phone: the number on the back of your ID card.

Blue Cross Blue Shield PPO
  1. Go to BCBS Member Login, enter your ZIP, and pick your local BCBS company
  2. Create an account on that company's site for your digital ID card

Find your local BCBS contact.

Health First PPO
  1. Go to MyChart by Health First, click “Sign Up,” and follow the prompts
  2. View, download, or print your digital ID card once logged in

Phone: 1-800-716-7737 (Mon–Fri 8am–6pm ET).

Still Need Help?

Submit a ticket

Tell us what's going on and we'll get back to you personally — usually within a few hours on business days.

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We'll get back to you personally — usually within a few hours on business days. Urgent? Call (941) 323-0041.

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