Premium

 Your monthly payment to maintain health insurance coverage, regardless of whether you use medical services. 

 A fixed dollar amount you pay for specific services (e.g., $30 for a doctor visit) with insurance covering the remainder. 

Save money on your healthcare expenses and build a nest egg for future medical needs with our health savings accounts. Get tax benefits while taking control of your healthcare costs.

 Your percentage share of costs after meeting the deductible (e.g., you pay 20%, insurance pays 80%). 

 The most you'll pay for covered services in a plan year. After reaching this limit, insurance pays 100% 

 The doctors, hospitals, and providers contracted with your insurance for negotiated rates. Using in-network providers costs less. 

 Insurance company approval required before certain services or medications are covered. 

 List of prescription drugs covered by your insurance plan, often organized in tiers with different costs. 

 Document from your insurer showing what was billed, what they paid, and what you owe. Not a bill. 

 Tax-advantaged accounts for medical expenses. HSA (Health Savings Account) rolls over yearly; FSA (Flexible Spending Account) typically doesn't. 

 Document from your insurer showing what was billed, what they paid, and what you owe. Not a bill. 

 The amount you must pay out-of-pocket for covered healthcare services before your insurance begins to pay. Resets annually.