Health plans 101
Whether you’re a current member or shopping for a new plan, understanding the basics will help you get the most out of your health plan.
Health plan basics
Health plan costs
Health plan costs include the premium, deductible, coinsurance and out-of-pocket maximum. Some plans may also have copays.
Learn more about these costs to help you plan and budget for your care.
Common terms
Premium
A premium is your monthly payment for health insurance.
Deductible
The amount you pay each year for covered healthcare before your health plan begins to pay.
Coinsurance
The amount you pay for covered healthcare after you meet your deductible.
Out-of-pocket maximum
The most you will pay each year for covered healthcare.
Copay or copayment
A set fee you pay for a doctor visit or prescription.
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Understanding healthcare costs
Learn what makes up healthcare costs and how to pay for them.
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Prescription drugs
Gain a better understanding of prescription drug benefits, search for covered drugs and more.
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Preventive care
Learn what's recommended for you and your family and how that care is covered by health insurance.
Health plan basics video series
Resources
Learning resources
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How healthcare expenses are shared
Learn how you and your health insurance pay for your healthcare.
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How to read an Explanation of Benefits
An Explanation of Benefits (EOB) shows what your health plan paid and the amount you owe.
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Third-party payments of premiums
Learn who we do and do not accept premium payments from.
Member account
Log in or create a member account
Get your ID card, plan information, find in-network doctors and more.