The most you pay during a policy period (usually a year) before your health insurance or plan begins to pay 100% of the allowed amount. This limit never includes your premium. balance-billed charges, or health […]

The percent (for example, 40%) you pay of the allowed amount for covered health care services to providers who do not contract with your health insurance or plan. Out-of-network co-insurance usually costs you more than […]

A provider who doesn’t have a contract with your health insurer or plan to provide services to you. You’ll pay more to see a non-preferred provider. Check your policy to see if you can go […]

The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

Health care services or supplies needed to prevent, diagnose or treat an illness, injury, condition, disease or its symptoms and that meet accepted standards of medicine. Back to Glossary Interested in a Free Benefits Consultation? […]

A fixed amount (for example, $15) you pay for covered health care services to providers who contract with your health insurance or plan. In-network co-payments usually are less than out-of-network co-payments. Back to Glossary Interested […]

The percent (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In-network co-insurance usually costs you less than out-of-network co-insurance. […]

Care in a hospital that usually doesn’t require an overnight stay. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. An overnight stay for observation could be outpatient care. Back to Glossary Interested in a Free Benefits Consultation? LET’S […]

A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium. Back to Glossary Interested in a Free Benefits Consultation? LET’S MEET