Health Management

Using the online system you can review your benefits and coverage, to see what your plan covers, and what it costs.

For example, a visit to your primary care physician to treat an injury or illness might have 15% co-insurance for an in-plan providers, and 40% co-insurance for an out-of-network provider. A visit to the emergency might have a $75 co-pay and 15% co-insurance.

Co-payments are fixed dollar amounts that you pay for covered health care, usually when you receive the service. Co-insurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan’s allowed amount for an overnight hospital stay is $1,000, your co-insurance payment of 20% would be $200. This may change if you haven’t met your deductible.

If you lose coverage under the plan, then depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan.