FAQ

Coverage you can afford, understand & use.

Frequently Asked Questions

Find out why a CareSource Just4MeTM insurance plan is just right for you.  Review our FAQs for answers to your questions.
Need additional information?  Call us at 1-800-479-9502 or provide your contact information and we will contact you.  We can help you navigate the Health Insurance Marketplace and enroll in a CareSource Just4Me insurance plan.
  • CareSource Just4Me

    • What is CareSource?
      • CareSource is a managed care company that provides managed health coverage to more than a million members with high member satisfaction rates. Unlike most insurance companies,CareSource is a nonprofit organization; we are focused more on people than profits.We pride ourselves on understanding our members and helping them understand and access their health insurance services.

        In 2015, CareSource is providing quality and affordable health insurance in Ohio, Kentucky and Indiana through our CareSource Just4Me plan.

    • What is CareSource Just4Me?
      • CareSource Just4Me is the name of the health insurance plan that CareSource is offering through the Health Insurance Marketplace. It offers affordable health insurance options with no limits due to pre-existing conditions or annual benefit caps. And many people who are uninsured may even qualify for cost savings to make it more affordable. CareSource Just4Me continues the CareSource history of making health care coverage easy to understand and access – it’s Health Care with Heart!

    • What is the benefit of choosing CareSource Just4Me for health insurance coverage?
      • Unlike many other insurance companies, CareSource is a nonprofit organization focused more on people than profits. We pride ourselves on understanding our members and helping them understand and access their health insurance services.
        CareSource currently provides managed health care coverage to more than a million members with high member satisfaction rates. And, we are expanding our network of providers and hospitals to keep pace with our membership growth.
        CareSource pre-negotiates out-of-pocket costs with our providers. This discounts many types of services and makes health care more affordable for you.
        CareSource Just4Me plans feature:
        • Low premiums, low annual deductible and low copays
        • Low copays for primary care doctor visits
        • Low or no copays for prescriptions with Silver* plans
        • Free generic medications with Silver and Ultra Gold plans
        • Optional adult dental and vision coverage (such as cleanings and exams, eyeglasses and contact lenses)
        • Focused network of doctors and providers
        • CareSource24®, 24/7/365 nurse advice line
        • Healthy living programs (to help you deal with conditions such as diabetes and asthma)
    • What is a Qualified Health Plan (QHP)?
      • The Patient Protection and Affordable Care Act, also known as health care reform, created rules for insurance plans offered through the Health Insurance Marketplace. The plans that meet these rules are defined as "Qualified Health Plans" or “QHPs.” CareSource Just4Me is an insurance plan that meets these rules. 

    • What are the different categories or “metal levels” of CareSource Just4Me plans?
      • CareSource Just4Me plans are separated into “metal level” categories of Silver, Ultra Gold and Bronze, based on how you and CareSource share the costs of care. These categories have nothing to do with the quality or amount of care you get.
        Silver Plans
        • Offer low premiums but have a higher annual deductible, copays, coinsurance and out-of-pocket costs
        • Offer the highest potential for cost savings – The subsidy level you qualify for determines the Silver level plan that will provide the lowest premiums, deductibles, copays and out-of-pockets costs.
        • Provide coverage for those who want the health insurance company to pay more of their health care costs and want additional coverage for unexpected illnesses and injuries
        Ultra Gold Plans
        • Offer premiums that are higher than Silver and Bronze plans
        • Offer lower out-of-pocket costs than our Bronze and standard Silver plans
        • Provide coverage for those who want the most comprehensive benefits and greatest protection for their health care
        Bronze Plans
        • Offer the lowest monthly premiums and highest out-of-pocket costs of all our plans
        • Provide coverage to those who rarely go to the doctor but want coverage for unexpected illnesses and injuries
  • Just4Me Enrollment

    • How do I enroll in CareSource Just4Me?
      • To enroll in CareSource Just4Me online after November 15, 2014:
        1. Begin by collecting the following information for yourself and the family members you want to enroll:
          • Social Security number or document number for legal immigrants
          • Employer and income information, for example, wage and tax statements from pay stubs or W-2 forms for the most recent year
          • Policy number if currently covered by health insurance
          • Information about the employer’s health insurance plan if eligible for employer health insurance coverage (even if the coverage is offered through another person’s job, for example, a spouse’s or a parent’s), for example, whether the plan covers the employee’s spouse or dependents and how much the plan costs
        2. Select Enroll on the CareSourceJust4Me.com main landing page.
        3. Create a CareSource Just4Me account with a username and password of your choice.
        4. The system will then connect you to the Health Insurance Marketplace. You will enter a separate username and a password of your choice for the Marketplace, then complete a form used to verify your eligibility and see if you qualify for cost savings. It will also let you know if you or your family members are eligible for other health care coverage programs such as Medicaid or the Children’s Health Insurance Program (CHIP).  Note:  This process may take 20+ minutes. If you stop during the process, you can use your Marketplace login to begin where you left off.
        5. After you complete the enrollment form to determine your cost savings and eligibility, you’ll be routed back to the CareSource Just4Me website where the information will be used to generate quotes based on your options.
        6. You can then compare and select a plan, select a primary care provider (PCP), make a payment and complete the enrollment process.
        Ready to enroll?  Click here to begin.You can also call CareSource Just4Me Customer Service at 1-800-479-9502. A friendly, licensed Marketplace Insurance Specialist will walk you through the enrollment process.
    • How do I find out if I qualify for savings?
      • When you enroll, the Health Insurance Marketplace will determine your eligibility for cost savings based on your income and family size. You can estimate your cost savings and shop for CareSource Just4Me plans before you enroll using our Estimate tool.

    • What cost savings are available?
      • If you qualify based on income and family size, you can get two types of cost savings through the Health Insurance Marketplace:

        • Cost sharing reduction
        • Advance premium tax credit (subsidy)

        A cost sharing reduction is a discount that lowers the amount you have to pay out-of-pocket for deductibles,coinsurance and copayments.

        When you enroll through the Marketplace and review the plans that you qualify for, this discount will be built into your Silver level plans. This discount is what makes the Silver plans so cost effective.

        An advance premium tax credit is a tax credit or subsidy that you can use either:

        • Right away to lower your monthly premium payments
        • When you file your federal tax return

        If you use the tax credit to lower your monthly premiums, you get the savings throughout the year.

        If you apply your tax credit to next year’s tax return, you increase your chance of getting money back at tax time. You decide how to use your tax credit when you enroll through the Health Insurance Marketplace.

    • What if I qualify for cost savings through the Marketplace and my income changes after I enroll?
      • When you enroll, you estimate your earnings for next year, and this estimate determines your cost savings. You must report any income change, up or down, that impacts your eligibility for cost savings to the Marketplace at healthcare.gov.

        If you don’t, you could miss out on cost savings or end up owing money when you file your federal tax return. So, if your income changes your estimated earnings for the year, for example, through a job change or job loss, you should report it to the Marketplace.

        You must also notify the Marketplace in the following situations:

        • If you become pregnant
        • If you have a baby
        • If your address or phone number changes
        • If your immigration status changes
        • If your marital status changes
        • If you become eligible for other health care coverage

        These changes may affect the amount you pay for your health insurance plan.

    • How much time will it take to enroll?
      • It may take 20 - 45 minutes to enroll through the Health Insurance Marketplace and determine your eligibility for cost savings. We recommend you gather all of the information needed for enrollment before you begin to speed the process.

    • What information do I need before I begin the enrollment process?
      • You’ll need the following information for yourself and the family members you want to enroll:

        • Social Security number or document number for legal immigrants
        • Employer and income information, for example, wage and tax statements from pay stubs or W-2 forms
        • Policy number if currently covered by health insurance
        • Information about the employer’s health insurance plan if eligible for employer health insurance coverage (even if the coverage is offered through another person’s job, for example, a spouse’s or a parent’s)
    • I’m having technical issues with my browser while trying to enroll through the Marketplace. What can I do?
      • You can make sure that your internet browser (for example, Microsoft Internet Explorer, Google Chrome or Mozilla Firefox) is up to date before starting the enrollment process.  

        If you are having issues enrolling with your current browser, you might try installing and using a different browser. For example, if you’ve had problems enrolling using Internet Explorer, you may want to install Google Chrome.

        See below for instructions to update or install the most commonly used internet browsers.

        Microsoft Internet Explorer (IE)

        Microsoft uses the Windows Update feature to install the latest version of IE. If you have installed all of the latest updates from Microsoft, you should be running the latest version of IE. To check for updates, access the Start menu, select All Programs, and then click Windows Update.

        You can click here to install the most current version of IE.

        Google Chrome

        Chrome is updated automatically when updates are released to the public. To find out if you are running the most current version, access the Menu icon and then click About Google Chrome. If Chrome is up to date, you will see a check mark with the statement “Google Chrome is up to date.” When updates are available, they will display on the Menu.

        To install Google Chrome, click here.

        Mozilla Firefox

        When updates are available, Firefox automatically downloads them and prompts you to install them. To check to see if your version of Firefox is up to date, access the File menu and click Help. If you don’t see the File menu you can press the Alt key. On the Help menu, click About Firefox. If you are running the most up-to-date version, you will see the message “Firefox is up to date.” If not, you’ll have an option to download the latest updates.

        Click here to download and install the latest version of Firefox.

    • Do I need to complete the enrollment process during one sitting or can I stop and finish at a later time?
      • You do not have to complete the enrollment process in one sitting.  At any time, you can stop and save your work. When you return to finish the enrollment, you will enter the user ID and password that you created to re-access the enrollment process. The information that you entered originally will be there.

    • English is not my native language. What are my enrollment options?
      • CareSource can help you enroll in a language you understand. Call Customer Service at 1-800-479-9502 (TTY: 1-800-750-0750 or 711) and we will get someone who can speak your language to help you.
        If you need help with the Marketplace, it is available through a toll-free call center staffed 24/7. Just call 1-800-318-2596. The Marketplace language line provides information in 150 languages. A Spanish website, www.cuidadodesalud.gov, is available and you can have a web chat in Spanish too.
    • What happens after I enroll?
      • After you enroll in CareSource Just4Me, you will get a letter or email acknowledging your enrollment and providing basic information. Shortly before your coverage begins on January 1, 2015, you will get an enrollment packet and ID card for the covered members of your family.

        If you are unsure if you've successfully enrolled, contact a CareSource Marketplace Insurance Specialist at 1-800-479-9502.

  • Paying for Insurance

    • How do I pay the monthly premium amount for CareSource Just4Me health insurance?
      • When you enroll in a CareSource Just4Me plan during open enrollment, you need to pay the first month’s premium in order to be covered. We recommend that you pay online or by phone to ensure that we receive and process your payment. If you elect to mail your first month's premium, please allow for mail delivery and processing time.
        You will receive a bill for your premium each month. Your payment is due by the date stated on the bill. You can make premium payments using the following options:
        • Pay online:  Sign in to your CareSource Just4Me account and pay with a major credit card, debit card or bank transfer. This is a free service to you.
        • Pay by phone:  This free service is available by calling 1-800-479-9502
        • Mail your payment:  Send a check or money order to CareSource, P.O. Box 630568, Cincinnati OH 45263-0568. Please include your CareSource Member ID number on the check. This will ensure payment is posted to your account.
    • Will I receive a bill each month?
      • Yes. CareSource will send you a bill each month for the next month’s coverage. For example, you will receive a bill in January for February’s coverage. Your payment is due by the date stated on the bill.

        When you enroll in CareSource Just4Me, you can choose to receive your monthly bills through email or a paper bill.

    • What does it mean to have a coinsurance or copayment amount?
      • For some services, CareSource Just4Me pays eligible expenses after you have paid a coinsurance or copayment amount.

        • Coinsurance is typically a percent of a bill
        • Copayment is typically a set dollar amount.

        When services have a coinsurance or copayment amount, you pay the health care provider that amount, usually at the time of service. CareSource pays the provider the balance of the bill.

        As an example:

        If…
        Your copayment for a primary care (doctor’s office) visit is $20.
        You visit your doctor, and the amount is $125.
        You pay the doctor the $20 copayment.
        CareSource Just4Me pays the doctor $105. 

        If…
        Your coinsurance for a medical procedure is 30 percent.
        The amount of the medical procedure is $600.
        You pay the provider 30 percent or $180.
        CareSource pays the remaining 70 percent or $420.

        CareSource Just4Me plans have low coinsurance and copayment amounts. Check out our Solicitation Document to compare our plans’ coinsurance and copayment amounts.

        To determine the services that have a coinsurance or copayment amount, refer to the Summary of Benefits and Coverage or the Schedule of Benefits for your CareSource Just4Me plan. To find these documents, access our Plan Details.  


    • What does it mean to have an annual deductible?
      • For some services, CareSource Just4Me pays eligible expenses after you have met your annual deductible. When services have an annual deductible, you pay the health care provider for services until you have met the annual deductible amount. CareSource Just4Me pays the provider for eligible expenses after you have paid this amount. Your annual deductible starts over every January.

        The deductible does not apply to all health care services. For example, doctor’s office visits to your primary care provider do not have an annual deductible. Even if you have not yet met your annual deductible, you can still see your primary care provider. You may have to pay a copayment for a primary care visit, depending on your plan.

        As an example:

        If…
        Your copayment for a primary care (doctor’s office) visit is $20.
        You visit your doctor, and the amount is $125.
        You pay the doctor the $20 copayment.
        CareSource Just4Me is responsible for the remaining $105.

        To visit the emergency room (ER), a deductible does apply.

        If…
        Your plan requires you to pay $300 for an ER visit after you’ve met your deductible.
        Your annual deductible is $200, and your ER amount is $2,200.
        This means you need to pay $200 to meet your deductible plus the $300 copayment for the ER visit.
        CareSource Just4Me is responsible for the remainder of the amount, $1,700.

        At this point, you have met your annual deductible of $200 for the year.

        This deducible applies to other services too. After you have met your annual deductible (in this example, $200), any service that has a deductible will only require you to pay the copayment or coinsurance amount for the rest of the year.

        Please note that not all out-of-pocket costs go toward meeting your deductible. Coinsurance, copayments and premiums do not count toward your annual deductible.

        As in the example above, the $20 copayment for the doctor’s office visit did not go toward the $200 deductible amount.

        CareSource Just4Me plans have low deductibles for medical services and no deductibles for medications. Check out our Solicitation Document to compare our plans’ deductible amounts.

        To determine the services that have an annual deductible, refer to the Summary of Benefits and Coverage or the Schedule of Benefits for your CareSource Just4Me plan. To find these documents, access our Plan Details.   

    • What does it mean to have an annual out-of-pocket maximum?
      • Out-of-pocket costs are what you pay during the year through deductibles, copayments and coinsurance. Premiums and services not covered by CareSource Just4Me do not count toward your out-of-pocket maximum. After you meet your annual out-of-pocket maximum amount, CareSource Just4Me begins to pay 100 percent for covered health benefits. Your out-of-pocket maximum starts over each January.

        As an example:

        If…
        Your annual out-of-pocket maximum is $650, and your annual deductible is $200.
        You visit the emergency room (ER), and the amount is $2,200.
        Your plan requires you to pay $300 for an ER visit after you’ve met your deductible.
        This means you need to pay $200 to meet your deductible plus the $300 copayment for the ER visit.
        CareSource Just4Me is responsible for the remainder of the amount, $1,700.

        At this point, you have paid $500 toward your out-of-pocket maximum and have met your deductible.

        Now, your doctor recommends that you have a magnetic resonance imaging (MRI) scan.

        If…
        Your plan requires you to pay $150 for an MRI after meeting your deductible.
        The MRI amount is $2,500.
        Because you’ve already met your deductible, you pay the $150 copayment and CareSource Just4Me is responsible for the remaining $2,350.

        At this point, you have met your $650 annual out-of-pocket maximum. For the rest of the benefit year, CareSource Just4Me will pay 100 percent of covered services as defined in the plan’s Summary of Benefits and Coverage or Schedule of Benefits. To find these documents for your CareSource Just4Me plan, access our Plan Details.

  • Just4Me Coverage

    • What health care benefits are covered through CareSource Just4Me?
      • CareSource Just4Me covers a wide variety of health care services designed to get you healthy and keep you healthy, including:

        • Primary care and specialty physician services
        • Prescription drug coverage
        • Outpatient services
        • Hospitalization (such as surgery)
        • Emergency services
        • Maternity and newborn care
        • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
        • Preventative and wellness services (such as mammograms, diabetes screenings, flu shots and more)
        • Rehabilitative and habilitative services and devices (to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
        • Laboratory services (such as blood drawn)
        • Chronic disease management (to help you deal with diabetes and asthma)
        • Long-term care services
        • Covered clinical trials
        • Podiatry care
        • Pediatric health and vision services
        • Optional dental and vision coverage for adults

        For more detailed information about coverage, refer to the Evidence of Coverage for your CareSource Just4Me plan. To find this document, access our Plan Details.

    • Can I have unlimited coverage for a pre-existing condition?
      • Yes! There are no pre-existing condition limits or waiting periods that apply to benefits covered by the CareSource Just4Me plans.

    • Can I have unlimited annual and lifetime benefits on the dollar value of essential health benefits?
      • Yes! The CareSource Just4Me plans do not have any lifetime or annual limits on the dollar amount of essential health benefits.  Essential health benefits are defined as follows:

        • Free preventive and wellness services (such as mammograms, diabetes screenings, flu shots and more)
        • Prescription drugs
        • Outpatient services (such as primary care and specialty doctor visits, urgent care services, diagnostic testing and more)
        • Hospitalization (such as surgery)
        • Emergency services
        • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
        • Pediatric services, including dental and vision care for kids
        • Maternity and newborn care
        • Laboratory services
        • Rehabilitative and habilitative services and devices (to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
    • What benefits are included with optional dental and vision plans?
      • If you select a CareSource Just4Me plan that includes dental and vision coverage, you get the following benefits:

        • Dental exams with cleanings (limit of 2 visits per year)
        • Allowances for both basic dental (X-rays and fillings) and major restorative (impactions and dentures) dental services
        • Eye exams and allowances for prescription lenses (including contacts) and frames 

        For more detailed information about coverage, refer to the Evidence of Coverage for your CareSource Just4Me plan. To find this document, access our Plan Details.

    • How can I find out if my doctor accepts CareSource Just4Me insurance?
      • CareSource Just4Me uses a network of providers. In order for your doctor visits to be covered by CareSource Just4Me, you must get care from the providers in our plan's network.

        Use our online Provider Directory to search for doctors in your area and to find out if your doctor accepts CareSource Just4Me insurance.

        You can also use the Provider Directory to search for hospitals, health clinics, urgent care centers, treatment facilities, home health care agencies and other health care providers that are part of our network. 

        You can also call CareSource Just4Me Customer Service at 1-800-479-9502.

    • Can I get services from a doctor who is not in the CareSource Just4Me Provider Directory?
      • Similar to other managed care plans, if you get services from a doctor who is not in the CareSource Just4Me network, your costs will not be covered, with few exceptions.

        One such exception is if an emergency occurs while you are out of the CareSource Just4Me service area. In this case, CareSource Just4Me will cover benefits provided outside the provider network.

        Your CareSource Just4Me plan provides benefits when you receive covered services from network providers.  You can find network providers in the Provider Directory

    • Why do I need to select a Primary Care Provider (PCP)?
      • A primary care provider (PCP) helps guide your health care and treat you for routine health care needs. If needed, your PCP will send you to other doctors (specialists) or admit you to the hospital. 

        Establishing yourself as a patient with a PCP before you get sick can also help you get in to see a doctor faster when you need care.

        We can help you find a PCP in your area. Call CareSource Just4Me Customer Service at 1-800-479-9502. You can also use our Provider Directory to search for doctors in your area.

    • Do CareSource Just4Me plans cover emergency health services?
      • Yes. CareSource Just4Me plans provide benefits for emergencies that occur anywhere within the United States. Benefits for emergency health services include facility costs and physician services, and supplies and prescription drugs charged by that facility.

        You do not have to get authorization before you get emergency health services. If you have an emergency, call 911 or go to the nearest emergency room or other appropriate setting.

        If you are not sure whether you need to go to the emergency room, call your primary care provider (PCP) or CareSource24®, our 24-hour nurse advice line. Your PCP or the CareSource24 nurse can talk to you about your medical problem and give you advice on what you should do.

    • Do CareSource Just4Me plans cover urgent care services outside the service area?
      • Yes. If you get hurt or sick while traveling outside the service area, but within the United States, CareSource Just4Me will pay for medically necessary urgent care services that you receive from non-network providers.

        Before seeking urgent care services, we recommend that you call your PCP for guidance; but, you are not required to do so. You should obtain urgent care services from the nearest and most appropriate health care provider.

        For more information about coverage for urgent care services, refer to the Evidence of Coverage for your CareSource Just4Me insurance plan. To find this document, access our Plan Details.

    • How does prescription drug coverage work?
      • CareSource Just4Me covers a wide range of prescription drugs provided by network pharmacies.
        To fill a prescription, present the written prescription from your doctor and your ID card to the pharmacist. If your doctor uses electronic prescriptions, he or she will send the prescription to the pharmacy for you. The pharmacy will then file your claim for you. If you owe a copayment or coinsurance amount, you will be charged when you fill your prescription.
        Your copayment or coinsurance amount may vary based on whether the prescription drug has been classified as a generic, preferred brand, non-preferred brand or specialty high-cost drug. Refer to the online Drug Formulary link for your CareSource Just4Me plan to determine a drug's classification and cost.
    • How can I find out if my prescriptions are covered with CareSource Just4Me insurance?
      • CareSource Just4Me insurance covers a wide range of drugs and drug types.

        You can call CareSource Just4Me Customer Service at 1-800-479-9502 or search the Preferred Drug List to find out if your current prescriptions are covered. After you enroll in a CareSource Just4Me health insurance plan, your doctor can use the Drug Formulary link for your CareSource Just4Me plan to find out what drugs are covered when prescribing your medicines. 

  • Benefits of Just4Me Coverage

    • Why do I need an ID card?
      • To make sure you get your full benefits, you should show your CareSource Just4Me ID card every time you get health care services from a network provider or pharmacy. If you do not show your ID card, your provider may fail to bill CareSource Just4Me for the services delivered, which could cause a delay in services.

    • Do I file paperwork for claims under a CareSource Just4Me health insurance plan?
      • Not usually. If you bring your CareSource Just4Me ID card and receive care from a network provider, the provider is responsible for filing the claim and requesting payment from us.

        You are responsible for any coinsurance, copayment, annual deductible or any amount that is more than the eligible expense.

        If you don’t present your CareSource Just4Me ID card and the provider makes you pay the full amount for services, you would need to file a claim with CareSource Just4Me.

    • Do I need to get services from a doctor in the CareSource Just4Me Provider Directory?
      • Yes. CareSource Just4Me uses a network of providers. In order for your services to be covered by CareSource Just4Me, you must get care from the providers in our plan’s network.

        You can call CareSource Just4Me Customer Service at 1-800-479-9502 or use the Find a Doctor/Provider tool to search for doctors in your area and to find out if your doctor accepts CareSource Just4Me insurance.

        You can also use Find a Doctor/Provider to search for hospitals, health clinics, urgent care centers, treatment facilities, home health care agencies and other health care providers that are part of our network.

    • Does CareSource consult with my doctor to determine my treatment?
      • No. CareSource does not provide medical services or make treatment decisions. CareSource does not decide what care you need or will receive. You and your physician make those decisions.

        CareSource does determine, according to the plan's policies and nationally recognized guidelines, what medically-necessary benefits are covered services under the plans. The plans may not pay for all treatments you or your physician may believe are necessary.

        You can find more information about what services your CareSource Just4Me plan covers in the Evidence of Coverage. To find this document, access our Plan Details.

    • What are my responsibilities as a CareSource Just4Me member?
      • You are responsible for choosing your in-network providers.

        You are responsible for paying, directly to your provider, any amount identified as a member responsibility, including copayments, coinsurance, any annual deductible and any amounts that are more than eligible expenses.

        You are responsible for paying, directly to your provider, the cost of any non-covered service.

        You are responsible for deciding with your provider what care you should and should not receive.

    • What information is available online at CareSourceJust4Me.com?
      • Our website, CareSourceJust4Me.com, provides information at your fingertips anywhere and anytime you have access to the internet. Our website opens the door to a wealth of health information and convenient self-service tools to meet your needs.

        Some of the helpful tools and information you will find at CareSourceJust4Me.com includes the following:

        • Estimate tool, which allows you to estimate your cost savings and shop for CareSource Just4Me plans before you enroll
        • Find a Doctor/Provider tool, which allows you to find network providers
        • Drug Formulary links, which allow you to find medicines, dosages and restrictions on prescription drugs
        • Find a Pharmacy tool, which allows you to find network pharmacies
    • Can I call and speak to a Customer Service Representative if I have questions about my health insurance coverage?
      • Yes! Please contact CareSource Just4Me Customer Service at 1-800-479-9502 with any questions you have about your coverage, including:

        • Benefits
        • Premiums
        • Coinsurance or copayments, annual deducible and annual out-of-pocket maximum amount
        • Specific claims or services you have received
        • Our network of providers
        • Our authorization requirements
    • Can I speak to a nurse if I have health concerns and need answers?
      • Yes! Our experienced CareSource24® nurses are available, 24/7/365 to talk about any health problem that concerns you.

        Call the CareSource24 number on your ID card if you have questions, need advice or if you are wondering what type of provider is recommended for your care needs.

        We can help you decide if you can care for yourself or a sick family member at home or if you should seek help from a medical professional.  

        Please remember to call 911 if you are experiencing an emergency.

    • What if I need help managing complex health care needs?
      • If you have a serious or complicated health problem, CareSource Just4Me Case Managers can help guide you through the health care system to get the coordinated, quality care you need.

        Our experienced team works with you and your doctor to make certain you are getting the best care possible. We do the coordination for you so that you can concentrate on your health.

    • What if I have completed a hospital stay and need help when I return home?
      • CareSource Bridge to Home® is a free program for hospitalized members to help coordinate the care needed to safely go home after a hospital stay:

        • Our experienced team works with you and your doctor to make certain you have all the equipment and medicine you need at home.
        • We make certain you are taking the medicine you need, when you need it, and help you reach your recovery goals.
        • We also work to make sure that you understand your care and who to call when the doctor's office is closed.

        Our Bridge to Home program is here to make coming home from the hospital as smooth as possible for you and your family.

    • What if I need help managing my medications?
      • At CareSource Just4Me, we believe it is critical that you are on the right medications for your health conditions and that you take your medications correctly.
        We offer the Medication Therapy Management Program (MTM) free of charge to help you do just that. We encourage you to meet with your pharmacist and discuss your medications. Your pharmacists are available for consultation, and we encourage them to do so as part of our program.
        Your pharmacist can help by:
        • Reviewing all your prescriptions and over-the-counter medications
        • Educating you on how to use your medications correctly
        • Identifying medications that may interact with each other
        • Identifying medications that may help you save money.
        You can use our Find a Pharmacy tool to locate a network pharmacy.
    • What if I need health care reminders?
      • To help you stay healthy, CareSource Just4Me will send you reminders to schedule recommended screening exams. Reminders can be for mammograms, child and adolescent immunizations, cervical cancer screenings, comprehensive screenings for individuals with diabetes and influenza/pneumonia immunizations.

        There is no need to enroll in this program. You will receive a reminder automatically if you have not had a recommended screening exam.