![]() ![]() The most you will pay during a policy year before your insurance company pays 100% of the allowed amount.Ī fixed amount set by your insurance company that you have to pay for a particular service. There are three types of out-of-pocket expenses: co-pay (or co-payment), co-insurance, and deductible. The costs that you will have to pay on top of your premium these costs occur only when you use medical services. You may pay this to the health insurance company or pay it through your employer. Premiums are usually paid monthly, but can also be paid every three months or once a year premiums are paid regardless of whether you use medical services during that time period or not. Not all health insurance companies require this. They also provide regular (annual) checkups for patients who are not sick.Ī provider who treats certain parts of the body or specific medical conditions.Ī written order from your primary care doctor that allows you to see a specialist or get certain tests done. Also, you may have to pay a bigger part of the bill if you use an out-of-network provider.ĭoctors and nurses who see patients in a clinic or office setting for a wide range of illnesses and injuries. ![]() Providers that do not work directly with your insurance company and may charge higher fees for the same services. These may also be called “preferred-providers” or “participating providers.” Typically, the cost to you is less for in-network providers. The providers your health insurance company works with to provide you with health care services. Doctors, nurses, physical therapists, hospitals and clinics are all examples. A person or place that helps you when you’re sick, or provides services that help you stay well. ![]()
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