Now more than ever, ongoing changes with health insurance plans make it especially important to understand your coverage and know the costs you must pay when visiting your medical provider, having tests, and undergoing procedures. For this reason, Your Healthcare Place recommends that you learn the specifics of your plan before upcoming health care visits. Your insurance plan may require multiple copays, higher deductibles, and coinsurance. Coverage will depend on the type of plan you have chosen. You can learn the details of your policy by visiting your insurance company’s web site or contacting its customer/member services department. The back of your insurance card should include the phone numbers and web site addresses you’ll need.