Back to the Basics: How to Use Your Health Insurance

Health insurance should be a significant part of your life, but it is not always so easy to understand.  Understanding health insurance jargon is easier than you think.  Keep reading to get the basic information on what you need to know about health insurance.

What is health insurance?

Health insurance is a health care plan that aids in paying in various health services.  This can include routine doctor visits to major medical costs from a serious illness or injury. It also covers many preventive services to keep you healthy.
You pay a monthly bill called a premium, and you also have to pay for a portion of the cost of your care each time you receive medical services.

How do I use my policy?

Each policy has a different set of health care benefits. When you purchase a policy, look into the benefits you receive and the cost of health services you will be paying for. When visiting a doctor or hospital, you will give your insurance information to the front desk when you arrive.  They then will validate you have a policy and then bill the insurance company.  The insurance company will send you a bill if you owe anything.

How do I use my insurance card?

Your insurance card proves to your doctor or hospital that you have a policy.  Your insurance card has information that your doctor or hospital will use to get paid by the insurance company. Doctors usually make a copy of your insurance card the first time they see you as a patient.


Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance. 


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