<prompt> Human: I get health insurance through my employer. same with dental and vision. My employer also pays for my insurance.However, I dont know what that means. How do i get more information on what my insurance covers? does that also means i dont have to pay for anything?I am coming from 100 medicare or was it medicaid? the one for obama care. Not the one for the elderly coverage through my mom. and with that, I basically had full coverage for the basics. But even back then, there were obviously some limits, but ones that i dont know about. one that i know of is that I had to go through a Primary care provider before going to a specialty. meaning, i had to get a referral first but both were free as well back then. With my current insurance, how do i know what i can and cant do? what i have to pay, etc? what doctors i can meet, and what i cant? i dont want to be hit with a random medical bill just because I didnt understand and assumed it would be free.And do i have to get a referral first from a PCP How do i know who my new PCP is now? before seeing a specialty doctor? and if so, do i have to pay a co-pay for BOTH trips?sorry, i know these are all basic questions, but I really have no idea when it comes to insurance.  <response>: You either have a booklet or a website through your work that will give you a lot of information about your deductible the money you have to pay before the insurance starts covering things and your copay what you pay at the doctors office. Most insurance covers some things 100 no charge to you like an annual exam, immunizations, OBGYM annual. You should receive an insurance card that has your name, ID number, insurance phone numbers, etc. You show your card every time you go to the doctor or get a prescription filled. You also might get a list of doctors that you can go to who are contracted with the insurance company for a better price. Lots to learn. When in doubt call the insurance company and ask questions about whats covered and what is not. 