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,

What does your premium actually pay for?

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 Premium Dollar Go?” America's Health Insurance Plans (AHIP), accessed 01/05/2018,  
NOTE: Values exceed 100% due to rounding. Source: Data sources & methodology are reference in more detail at 1) Prescription drug costs include outpatient, physician- and self-administered medications, but not those administered in inpatient settings. 2) Medical expenses as identified in this research differs from Medical Loss Ratio, as defined by the Affordable Care Act. 3) Operating costs include consumer-centric activities such as communicating with members, running customer service operations, quality reviews, data analysis, etc.

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

Click here to find out more about FirstCare Health Plans.

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!

Talk to a NurseSM

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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