Terms to Know

Deductible

The amount you are required to pay each calendar year before any coinsurance payments will be made. Copays do not apply to the deductible. The deductible resets January 1 of each year.

Coinsurance

Plans pay a set percentage of the allowed amount of the covered expense. The amounts listed above reflect your responsibility up to the OOP Maximum.

In-Network OOP Maximum

The highest amount you are required to pay in copays, coinsurance and deductibles for any covered expenses performed by an in-network provider in any calendar year. OOP Maximum resets January 1 of each year.

Out-of-Network Out-of-Pocket (OOP) Maximum

The highest amount you are required to pay in copays, coinsurance and deductibles for covered expenses performed by an in or out-of-network provider in any calendar year. Using out-of-network providers may result in additional costs not included in this maximum if the provider bills more than the allowed amount. OOP Maximum resets January 1 of each year.

Preventive Care

Services include routine physical exams, certain routine test and immunizations. The plans pay 100% after any applicable co-pays for these services performed in-network when they are coded by the provider as preventive services and are performed in accordance with age and frequency requirements.

Usual and Customary Rates

When members use a Preferred/Participating Provider, they avoid balance billing other than applicable deductibles, coinsurance and/or copayment and out-of-pocket maximums. Reimbursement for out-of- network services may be based on a “reasonable and customary (R&C)” or “usual, customary, and reasonable (UCR)”, such as 80% of R&C or 80% of UCR, or as stated above, based on some percentage (110%-150%) of Medicare. Because there is no contract between the plan and the non-participating provider, the non-participating provider is not obligated to accept the plan’s allowance as “reasonable and customary” and may bill the member for any balance. Please note, these differentials can be substantial.