Patient Journey.

Patient Journey.

Understanding your benefits.

Maestro Health is here to help you navigate the complexities of the healthcare system. We’ve put all of your plan information in one place to make it easier for you to find and manage.

Use the My Benefits™ web portal to stay in-the-know with your plan details and expenses. 

The web portal has:

  • An overview of your benefits details
  • A summary of your health expenses, including payments, deductibles and more
  • Plan eligibility details
  • Claims history, including in-depth details from your five most recent doctor or hospital visits

Pro tip: Review your plan info in the My Benefits™ web portal before you book an appointment so you know what's covered, how much of your deductible may be left, etc.

MacbookPro with web portal on screen

Ok, that was a lot of healthcare jargon you just read. We’ve decoded common health plan terms for you in our Healthcare Jargon Dictionary.


Shopping for care.

Maestro Health is here to help simplify the process of finding the right provider.

Health plan ID card

Your new health plan ID card.

Before you schedule an appointment, you’ll need to have your health plan ID card on hand. Think of this card as a passport to your healthcare. It helps providers (aka, doctors, facilities, etc.) understand which plan you’re using and how to bill for the care you’re getting.

Finding a provider.

You can find a provider by either visiting the network website listed on your health plan ID card or following these steps using the Maestro Health My Benefits™ web portal.


Log in at


Click the “Links” tab.


Click on the provider network link to open a new tab and follow the steps to find a doctor.

Laptop with login screen

Can’t find a provider online? You can call the number on the back of your health plan ID card for help.

Watch a full tutorial on how to use the Maestro Health My Benefits™ web portal.


Know Where to Go. Your primary care physician may not always be available, especially late at night. Our Know Where to Go resource breaks down the differences between a walk-in clinic, urgent care and the ER so that you can make the most informed and cost-effective choice.


Receiving care.

Maestro Health is here to equip you with plenty of resources so that you can get the care you need when you need it.

Come prepared to your next appointment:

  • Once you receive your ID card from Maestro Health, immediately get rid of all old health plan ID cards, including any cards that belong to your dependents.
  • Make sure you show your doctor’s office your new health plan ID card.
Two people smiling and looking at papers
Provider material

We’ve created resources to help your provider understand your health plan and submit your claims correctly.


Back to Top

Paying for care.

Maestro Health is here to make sure you’re not overpaying for your healthcare.

Here’s how your payment process will work.


You pay your copay to the provider.
When you visit your provider, they should only collect your copay upfront. You may also be responsible for payment toward your deductible or, if you’ve already met your deductible, you will be responsible for your coinsurance.

Your copay and coinsurance are two separate things. You can find information about both on your health plan ID card:

Medical ID card

Copay: A copay is a set amount you pay your provider for a service. The remaining balance is covered by your health plan.

Coinsurance: Coinsurance is a fixed percentage you will pay the provider after you meet your deductible.

Deductible: A deductible is a specific amount of money that you must pay out of pocket before your health plan will cover the cost of a claim.


Your provider submits your claim to Maestro Health.
Maestro Health will then review the claim and arrange payment according to your employer’s contracts.

Claim: A claim is a bill or invoice that a provider sends to Maestro Health requesting payment for their services.


The provider may send you a bill in the mail with a remaining balance.
After Maestro Health arranges payment to your provider, you may receive a bill in the mail stating any remaining balance you owe. If this happens, you can compare the bill with the “Patient Responsibility” amount listed on your Explanation of Benefits (EOB) to verify that the bill is accurate.

Patient Responsibility

Pro tip: We recommend always you review your EOB which you’ll receive in the mail after your service. Can’t find your EOB? No worries—you can find another copy from the Claims tab on the Maestro Health My Benefits™ web portal.