Money you pay doctors, hospitals, labs and other providers before the insurance company starts paying your medical bills. You get discounts with “in-network” providers.
watch “Key Benefits” videoPPO: Preferred Provider Organization, you select doctors, hospitals, labs, etc. when you need treatment, not when you enroll.
view chart
watch “HMO-PPO” video
HSA: Health Savings Account, this is a high-deductible PPO plan that allows you to open a tax favored savings account to pay medical expenses.
more info
Money you pay a doctor for a visit. Amount refers to a specific billing code that includes: history; diagnosis & recommendation for treatment. All other medical services are billed separately.
Out-Of-Pocket Limit. This is the maximum you pay for in-network medical services in a calendar year. You must include the deductible to accurately determine the OOP. Click on “View Details” to determine whether you must add the deductible to the amount shown or if it is included already.
watch “Key Benefits” videoThe percent shown is the amount that you pay after the deductible but before you’ve reached the Out-of-Pocket Limit (OOP.) You pay the percent shown and the insurance company pays the rest. Because you are both paying, this is called “co-insurance.” Once your percent reaches the OOP the insurance company generally pays 100% of in-network charges for the remainder of the calendar year.
watch “Key Benefits” videoWhether the plan covers costs associated with baby delivery.
