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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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: Apr 26, 2022

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The lowdown...

  • Your health insurance group number is assigned to the employer that bought your plan
  • It helps pinpoint the exact benefits that your plan offers
  • It is a different number than your member ID number
  • This group number is used by your medical provider for billing purposes

Your insurance cards’ group number identifies the employer that purchased your health insurance plan. It usually only appears on insurance cards that were given to you by your employer, so if you purchased your insurance through the Healthcare Marketplace or if you have a government based plan such as Medicare, you may not see a group number on your insurance card at all. Your medical provider will use this for billing and plan identification purposes

Your medical provider will use this for billing and plan identification purposes in addition to your member ID number.

If you need private health insurance, look no further than our free online quotes comparison tool. This feature will match you with the providers in your state who meet your budget and needs without spending a dime!

What is my member ID number?

What is the insurance group ID number? Almost all insurance plans will assign you a member ID number, regardless of whether it is employer based or not. This number is individual to you specifically, whereas the insurance group number on the card can apply to multiple people who have the same employer as you, as well as their dependents.

The member ID number is used to determine your coverage and eligibility for certain services. It is also used by your primary care physician, health care provider, or other specialists for billing purposes and by your insurer to look into claims and benefit information.

Is policy number the same as group number? No, policy number is specifically for your policy, but group number usually refers to your employer or group where you’re getting your coverage. If you have no group number on your insurance card, that usually just means you aren’t receiving it through your employer.

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Is my group number on my insurance card?

What is the group number on my insurance card?

If you’re wondering where is the group number on your insurance card, the answer is that it usually will show on the front of your card. If it’s not there, you may need to call the customer service number, but you also just might not have one if you’re not receiving your coverage through your employer.

What other important information is listed on my health insurance card?

There are several other pieces of information that may be present on your health insurance card. Some of the basics include your name and the name of your insurance company, as well as a phone number to contact them at.

If the health insurance policy is under someone else’s name, such as your spouse or parent, their name be present on the insurance card, as well.

You may also see the name of your specific plan on your card, which can be helpful if you need to call customer service, as they will likely ask which plan you’re enrolled in.

What is my plan type?

Your plan type will also most likely be listed on your insurance card alongside your group number and member ID number. The two most common type of plans you might see on your card are HMO or PPO. You might also see an EPO plan or High Deductible Health Plans (HDHP) listed on your card.

HMO stands for health maintenance organization while PPO stands for preferred provider organizations. These plans regulate what providers they will cover depending on whether they are in or out of the plan’s network.

Some types of plans also require referrals, while others do not and each type of plan may have a different way of calculating out-of-pocket costs and copays.

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Does my card tell me how much I am expected to pay?

Many insurance cards list the specific amount that you are responsible for paying for the medical services you are receiving. The card may state how much it costs for any hospital or emergency services, the copay for seeing your primary care provider, and how much you may have to pay out of pocket for seeing a specialist.

Depending on your insurance plan, these numbers may be listed as a specific flat amount or a percentage of what the whole cost of the service will be. Sometimes, if you have a specific plan such as an HMO, which requires you to see in-network providers, there will be two amounts listed on the card for each service.

The first is for your in-network providers, while the second is for out-of-network health care providers. Other plans may have varying costs for different services as well.

You may also find information about your prescription drug coverage and copays on the card.

If you cannot find this information on your card, you likely have online access to a wide range of information about your health coverage through your provider’s website.

What do you do if you lost your health insurance card?

If you lose your health insurance card, contact your health insurance provider immediately and inform them. They will issue you a new card, which may have a new member ID or other different information on it. They will also likely cancel your other ID information so that no one else can use your benefits.

Do your best not to lose your card, as it can potentially be a headache, especially if you need medical care while you’re waiting to get a new card. Most health care providers will ask to see proof of insurance before they will see you.

What’s the bottom line?

Your insurance card should contain all of the information above. It doesn’t matter where you get your insurance from; if you don’t receive your card with your benefits package, you’ll want to make sure you know exactly who provides your health insurance coverage so you can reach out to them directly.