Member Benefits & Forms

Are you on a Medicare plan? See your benefits.

Key Terms

In-Network

The group of doctors, hospitals, pharmacies, and other health care professionals who have agreed to provide services to our members.

Premium

The monthly amount a member or group pays for coverage.

Deductible

A set amount you pay before your plan starts helping pay for your medical care or pharmacy benefits. Some plans have separate medical and pharmacy deductibles.

Coinsurance

The percentage of the cost you pay each time you use a medical service covered by your plan.

Copayment

The set fee you pay each time you use a medical service covered by your plan.

Out-of-Pocket Maximum

Once members have paid this amount, we pay 100% of covered expenses for the rest of the benefit period. You will no longer pay copayments or coinsurance, just your monthly premium.