Health care simplified

Get to know the complex world of health care in a way that makes sense to you. A basic understanding of these key words will make it easier for you to navigate your health plan:

  • Network refers to a group of doctors, specialists, urgent cares and hospitals your health insurance company has partnered with to help save you money. 
  • Primary care provider (PCP) is the doctor you see first for common health concerns and continuing care. 
  • Specialist is a provider or doctor who has advanced education and clinical training in a specific area of medicine. 
  • Copay is the fixed amount you pay every time you receive health care services. 
  • Coinsurance is your share of the costs of a covered health care service. 
  • Deductible is the amount you owe for health care services before your health insurance kicks in. 
  • Out-of-pocket maximum is the most you’ll pay for covered benefits in any one year.
  • Claim is a request for payment you or your doctor sends to your health insurance company when you receive medically necessary services you want covered.