Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 22, 2022

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The lowdown...

  • You can get a copy of your health insurance card by calling the customer service number listed on your insurer’s website
  • You need to contact the local Social Security office to replace a lost Medicare card
  • State laws will determine how you replace lost Medicaid cards, but you can start the process by contacting the local Medicaid office nearest you

Whether heading to the doctor for an annual exam or the hospital for an x-ray, you need to have your health insurance card. Even when you pick up a prescription, you need to be prepared to present your medical card. 

But what happens if you lose your medical insurance card? Can you get a new insurance card?

Yes, you can get another health insurance card by calling customer service. If you are simply renewing your policy, you do not need to order a replacement card. However, you will need to contact your local Social Security office if you lost a Medicare card.

Getting a copy of your health insurance card will vary depending on your insurance company and the type of coverage you have. Your state laws will also impact the process of getting a new Medicaid or Medicare card. Keep reading to learn what to do when you lose your insurance card and how to get a replacement medical card from your insurer.

How to Get a New Health Insurance Card

You can replace a health insurance card by calling your insurance company directly. Most health insurance companies list their customer service numbers online, but you can also visit a local agent to get a replacement card. 

Can you get a replacement health insurance card online? 

That depends on your insurance company. You may have to wait up to 30 days for a new card to arrive in the mail in some situations.

How do you replace a lost Medicare card?

The easiest way to replace a lost or damaged Medicare card is to call the National Social Security Hotline at 1-800-772-1213. However, the customer service office is only open between 7 a.m. and 7 p.m. 

After hours, apply for a new Medicare ID card online or at your local Social Security office to replace a lost Medicare card. Under most circumstances, it can take up to 30 days to receive a replacement Medicare card by mail.

How do you replace a lost Medicaid card?

Contact your local Medicaid office by phone or in person to order a replacement card. However, state laws determine how you replace lost or damaged Medicaid cards, so the process to receive a replacement card varies.

For example, it usually takes between seven and 10 days to receive a new card in the mail, but Texas residents can access and reprint replacement cards online right away.

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Do you need a health insurance card?

Yes, your health insurance ID card serves as proof of coverage when you go to the doctor or receive any emergency health care services. In addition, it carries information about your policy that the health care provider needs to bill your insurance company.

What to Do if You Lose Your Insurance Card

A lost medical insurance card can lead to identity theft, so you should contact your health insurance company if your ID card was in your lost or stolen wallet.

Someone may steal your identity and use your medical benefits to seek care, make fraudulent claims, or purchase prescription drugs. If you don’t contact your insurer and request a replacement card, you could be liable.

Call the customer service number on your insurer’s website to report your card as lost or stolen as soon as possible. You should expect your company to issue you a new health insurance policy number and your replacement card to protect your identity. 

While you wait for your new insurance card in the mail, an agent will give you your new ID number. You will be responsible for contacting your pharmacy and health care providers to update your coverage information so that they can continue filing your claims without interruption. 

How to Replace Your Insurance Card: The Bottom Line

A medical provider can turn you away if you don’t have your health insurance card, even if you have coverage. Some may be willing to accept your policy and health plan numbers without seeing the actual card, but it is best to get a replacement insurance card as quickly as possible.

You can get a new copy of your insurance card by calling the customer service number on your insurer’s website. Depending on your insurance company, you may be able to request a new card online. However, you must contact the local Medicaid office to replace a lost or damaged Medicaid card.