How do I find out what my insurance covers?

Coverage questions feel opaque because the answer lives in documents nobody shows you how to read. Start with the Summary of Benefits and Coverage - the SBC. Federal rules require every plan to give you one in a standard format, and HealthCare.gov explains it exists precisely so you can compare plans and understand benefits: it shows, in the same layout for every insurer, what you pay for a doctor visit, a specialist, an ER trip, drugs by tier, and what your deductible and out-of-pocket maximum are. For a specific service, go one level deeper: your insurer's member portal or app has your actual plan documents, the provider directory for network checks, and usually a cost-estimator tool. For medications, the document that matters is the formulary - the plan's drug list, tiered by price - searchable on the insurer's site; it also flags which drugs need prior authorization. For the stubborn cases, call the member services number on your card and ask the question in its most specific form: not do you cover physical therapy, but how many PT visits per year, at what copay, and do they need prior auth - and note the date, name, and reference number of the call. One habit worth building: before any planned procedure, get the answer in writing or by reference number, because the verbal yes is what you appeal with later. Pymander is a free AI doctor, 24/7 by text, and can help you read an SBC or plan the call.