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Got questions? We’ve got answers.
- Understand your premium and how to pay them
- Learn what common insurance words actually mean
- Find pharmacy and prescription information (Medicare specific)
Common Insurance Terms
Coinsurance
When coinsurance applies, you must pay a percentage of the charges from a provider or facility for covered services. This percentage is called a coinsurance.Copay
A copay is a fixed amount you must pay the doctor, pharmacy, or facility for services.
Deductible
A deductible is an amount you must pay to doctors and facilities before your plan begins to pay for eligible charges.
Out-Of-Pocket Max
An out-of-pocket maximum is the total amount you may pay for services covered by your plan each year. Amounts you pay toward your deductible, coinsurance, and copays apply to your out-of-pocket maximum.
Primary care doctor
A primary care doctor or Primary Care Provider (PCP) is a
doctor who sees you for common medical problems, performs
routine exams, and helps prevent or treat illness. Seeing the same
doctor for most visits will help you establish a relationship that can
improve your care.