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The BIN, PCN and Group numbers are there to route pharmacy claims to your pharmacy benefit manager. Many insurance companies contract with another company to manage their pharmacy benefits. The main reason for this is that, as you can imagine, the pharmaceuticals industry is mind-blowingly complex, to the point that it makes more sense for an insurance to pay a specialized company to manage it rather than to try and manage it themselves.

Back to your question, though, those numbers on your card tell the doctor or pharmacist where to route electronic queries when they're trying to figure out whether you're covered for a drug. It's kind of like an e-mail address for your drug plan.

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