Health Care 101

We know that health insurance can be a difficult topic to understand. So we've gathered the information needed to answer your questions and provide you with a one-stop shop for your FirstCare-related and general health care questions.

You've got questions, and we've got answers. We're here to help.
Click on any of the topics below for more details:  

How Does Health Insurance Work?

This quick video, courtesy of Kaiser Permanente, explains health insurance using easy-to-understand terminology. It breaks down important insurance concepts, such as premiums, deductibles, provider networks, and how to pay for coverage and obtain medical care and prescription drugs when enrolled in various types of health insurance, including HMOs and PPOs. 

Health Insurance Explained – The YouToons Have It Covered,” The Henry J. Kaiser Family Foundation, accessed 02/25/2015,

Where Does Your Health Care Dollar Go?

Health care costs are too high for too many. Your premium (i.e., how much you pay for your health insurance each month) covers the costs that FirstCare absorbs to provide your insurance coverage as well as the medical care you might receive—everything from prescription drugs and doctors’ visits to hospital stays and customer service. Here is a breakdown of where your premium dollar really goes:

Where Does Your Health Care Dollar Go?
“Where Does Your Health Care Dollar Go?” America's Health Insurance Plans (AHIP), accessed 05/22/2018
Source: Data sources & methodology are reference in more detail at Expenditure estimates above produced by AHIP. Distribution of spending among administrative categories and taxes. based on analysis by Milliman, Inc. Milliman’s analysis is available upon request..

What is a Provider Network?

Here’s another video, courtesy of America’s Health Insurance Plans (AHIP), showing you how your provider network helps you maximize your health plan benefits while minimizing the effect on your wallet

“So What is a Provider Network?” America's Health Insurance Plans (AHIP), accessed 09/07/2017,

Need Help Choosing a Plan?

In this video, also courtesy of AHIP, see what goes into selecting a health plan that’s right for you/your family

How Do You Pick an Insurance Plan,” America's Health Insurance Plans (AHIP), accessed 06/28/2017, 

Already a FirstCare Member?

After selecting a plan, learn more about how you can use your FirstCare health care coverage to access the services you need, when you need them.

What Does It Mean?—A Health Insurance Glossary

Health insurance terms and phrases can be confusing, so we've compiled a list to help you.

Health and Wellness—FirstCare Plus

Helping you stay healthy. That’s what FirstCare Plus is all about.

Questions? Contact Us!

If you have any questions about your plan, your benefits, or FirstCare—our Customer Service team is standing by, ready to assist you.


Contact Us Find a Provider or Pharmacy 

We put you first

Find out more about FirstCare Health Plans:

Our Service Area Maps

Coverage to Care

CMS has provided this helpful roadmap to better care and a healthier you—click here for details!

Ask the Pharmacist

Have a question about a specific drug, or a drug benefit in your plan? Email our Pharmacist for the answers you need!

Emergency vs. Urgent Care

A trip to the ER can be costly & time consuming. Follow these guidelines to help determine when a condition is serious enough to go to the ER versus visiting an Urgent Care center.

Talk to a Nurse—Nurse24™

Need care advice? Should you see a doctor? Get the info you need today! FirstCare members can talk to a nurse 24/7 by calling 1.855.828.1013..

The National Committee for Quality Assurance (NCQA) has awarded an accreditation status of Accredited for service and clinical quality that meet the basic requirements of NCQA's rigorous standards for consumer protection and quality improvement.

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