Know the Rules

• Understand what services your plan does and does not cover by reading the member handbook or talking to your employer.
• Know how to choose or change your primary care physician.
• Understand how to schedule appointments for check-ups and when you are sick.
• Know when you need referrals and how to get them.
• Know what you are required to do when using a hospital or emergency room.

Stay Informed

• Be sure to learn about any new policies affecting how the plan works by reading member newsletters and checking the plan's web site.
• Know the telephone numbers and hours of your physician's office and the plan's member services department.

Keep Records

• Write down your health concerns to help you discuss them with your doctor.
• Set up health files to keep track of the care and services received by you and members of your family.

Take Charge

• Take good care of your health by making appointments for check-ups and preventive care.
• Talk with your doctor about when you need regular health screenings.
• Call member services if you don't understand information that the plan or provider sends you.
  
• If you don't understand the answers to your questions, ask that they be explained to you.

Choose a Doctor Carefully

• Ask for recommendations from medical societies, health care providers, referral services, hospitals, family members and friends.
• Get information about the doctor's training and experience from the plan or the doctor.
• Ask if the doctor is board certified in his or her specialty area.
• Check whether prospective doctors have had any disciplinary actions issued against them. For information on New Jersey physicians see page 19.