Group Two
POS Upfront Deductible Plans
In a Point-of-Service Upfront Deductible Plan
Upfront Deductible Plans – Plans in which most covered health care services you receive apply to a plan deductible, even when you are using an in-network provider. Once this contract year plan deductible is met, you pay a copayment or coinsurance amount and we pay for the rest of the covered service.
, most health care services you receive apply to a
plan deductible
Plan Deductible - The total amount of medical expenses that you must pay during the contract year for certain benefits before ConnectiCare insurer will begin paying for those benefits., even when you are using an in-network provider
In-Network Providers - Also known as Participating Providers, these are health care professionals that belong to ConnectiCare's network of providers. In-network provider services are typically provided at a lower cost to you than those provided out-of-network. . Once this contract year
Contract Year - The 12-month period that begins on the effective date of the policy and each 12-month period following the policy renewal date.
plan deductible
Plan Deductible - The total amount of medical expenses that you must pay during the contract year for certain benefits before ConnectiCare insurer will begin paying for those benefits. is met, we pay for the services subject to a copayment
Copayment - A flat fee you pay for certain benefits. The copayment amount may vary by service and whether that service is provided by a health care professional that belongs to ConnectiCare's network of providers. or coinsurance
Coinsurance - The percentage of the cost of benefits that you or ConnectiCare is legally responsible to pay. amount that is paid by you.
Key Benefits of POS Upfront Deductible Plans:
- The higher the upfront deductible
Upfront Deductible Plans – Plans in which most covered health care services you receive apply to a plan deductible, even when you are using an in-network provider. Once this contract year plan deductible is met, you pay a copayment or coinsurance amount and we pay for the rest of the covered service.
, the lower the plan premium
Premium (or price) – The monthly fee that is paid to ConnectiCare to provide health coverage, including doctor visits, hospitalizations, medications and other covered benefits. The amount of your premium depends, in part, on the level of your coverage. For example, a health plan with a higher deductible tends to have a lower premium.
will be - Upfront deductible
Upfront Deductible Plans – Plans in which most covered health care services you receive apply to a plan deductible, even when you are using an in-network provider. Once this contract year plan deductible is met, you pay a copayment or coinsurance amount and we pay for the rest of the covered service.
helps with budgeting for medical expenses - Separate in-network contract year
Contract Year - The 12-month period that begins on the effective date of the policy and each 12-month period following the policy renewal date. plan deductibles
Plan Deductible - The total amount of medical expenses that you must pay during the contract year for certain benefits before ConnectiCare insurer will begin paying for those benefits. for individual and family - Separate out-of-network contract year
Contract Year - The 12-month period that begins on the effective date of the policy and each 12-month period following the policy renewal date. plan deductible
Plan Deductible - The total amount of medical expenses that you must pay during the contract year for certain benefits before ConnectiCare insurer will begin paying for those benefits. for individual and family
These plans are now compliant with the new Health Care Reform
Patient Protection and Affordable Care Act (PPACA) - More commonly know as Health Care Reform, is now the law of the land. It is a federal statue that was signed into law on March 23, 2010. law, in which preventive care
Preventive Care – Measures taken to prevent illness or injury, rather than to treat it. Preventive care can include immunizations, screening tests, and examinations to test for specific conditions based on an individual's family history.
is not subject to member cost-share.