Depending on the plan you choose, you may be required to pay the following out of pocket before your insurance covers at 100 percent:
- Deductible — The amount you pay before your insurance begins picking up any of the costs for certain services. Deductibles are typically between $500 and $2,000.
- Copayment — The cost you're required to pay for certain services or prescription medications. Your copayments will vary depending on your plan and the type of service or medication you receive.
- Co-insurance — A percentage of the cost a doctor or hospital charges that you're required to pay.
Note: If you have a plan with Hospital Choice Cost Sharing, you will have different out-of-pocket costs depending on the hospital where you choose to get care.
Your member ID card contains valuable information so it's important for you to know how to read your ID card.