Our clients have a lot of question and we are here to help. This FAQ section provides valuable information on health coverage and defines relevant terms. If you every have any questions, we are a phone call away. Your goal is for you

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    How is the premium calculated?

    There are several factors that impact the cost when calculating insurance premiums. Including, but not limited to your age, the type of coverage, dependents, geographical location, and personal information, and the type of plan you choose. The monthly premiums quoted do not include out-of-pocket expenses.

    What is a copay?

    Copays are a fixed fee you pay when you receive covered care like an office visit or pick-up prescription drugs.

    What is an annual deductible?

    Your annual deductible is typically the amount of money that you, as a member, pay out of pocket each year for allowed amounts for covered medical care before your health plan begins to pay. This excludes certain preventive services that may be automatically covered. Deductibles can be high or low, depending on your plan, and that may affect how you pay for health care costs.

    What is the max out of pocket?

    The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
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