A guide to getting the most from your health plan
Life is unpredictable. Your health care costs shouldn’t be. From copays to coinsurance, get to know the basics of your deductible plan and how to use it.
Health plan basics
The cost of your visit depends on your plan, the care you need, and how much you’ve paid toward your deductible and out-of-pocket maximum. Before your visit, you can get a personalized cost estimate to help avoid surprises.
The amount you may pay at check-in might not cover everything you owe. That’s because your care team doesn’t know exactly what you need until they talk with you. You could receive a bill after your visit if:
- You received additional services, such as lab tests or X-rays
- What you paid didn’t cover the full cost of your scheduled services
Preventive care — like flu shots, mammograms, and routine physical exams — is covered at no cost or at a copay. But sometimes you need nonpreventive care during the same visit. For example, if you came in for a checkup and discussed an unrelated injury, your doctor might order an X-ray for it. You’d get a bill for the X-ray because it’s not preventive.
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*Your copay experience may vary by region. Check your Evidence of Coverage for more details.