How can I find out if a benefit is covered on my plan?
You can review plan information on the benefits and coverage page. Types of service, co-pay amounts and deductible information are located under the “Common Benefits” section.
How can I estimate how much a service will cost?
Our treatment cost estimator helps determine what you’ll pay out-of-pocket. It’s easy to use and gives you options for services based on your current plan.
What do I pay for after I hit my deductible?
It really depends on your plan. If you reach your deductible, you may have a copay for some services and coinsurance for others.
What is coinsurance?
Coinsurance is similar to copay. Instead of a fixed-dollar amount, you pay a percentage of the total bill. For example: If your coinsurance on a $100 bill is 15%, you pay $15 and we pay the rest. You’ll never pay more than your out-of-pocket maximum.
What is an out-of-pocket maximum?
This is the most you could ever pay in a year on covered health care services, excluding your monthly premium. Any deductible, copay, coinsurance or payment for covered services goes towards your out-of-pocket maximum.
What do I pay for after I hit my out-of-pocket maximum?
Once you hit your out-of-pocket max, all you need to do is to continue paying your monthly premium. We’ll pay 100% of the cost when you get care for covered services.