Understand Costs

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.

Have more questions? You can find definitions of other common medical terms or get answers to FAQs 24/7.

Your member ID card contains valuable information so it's important for you to know how to read your ID card.