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An amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services. A plan with an overall deductible may also have separate deductibles that apply to specific services or groups of services. A plan may also have only separate deductibles. (For example, if your deductible is $1700, your plan won’t pay anything until you’ve met your $1700 deductible for covered healthcare services subject to the deductible.) In summary – Insurance coverage doesn’t immediately kick in. Most plans have a deductible, which is the amount you pay before health insurance starts paying for medical expenses.

After you reach your deductible, you enter the coinsurance phase. This means you pay a percentage of your medical costs and insurance covers the rest.

You won’t pay coinsurance forever. Each year, there is a maximum amount that you’ll ever pay out-of-pocket called the out-of-pocket maximum. After you’ve reached your max out-of-pocket for the year, insurance will cover everything after that!

When receiving medical care, on most plans, you’ll often pay what’s called a co-pay —A fixed amount (for example, $25) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service. Not all plans have co-pays, including manyHSA-based plans.  

The cost of care depends on whether your doctor is a part of your network or not. In-network doctors have agreed to contracted rates for their services. So you will likely pay less when you stay in-network.

You can contact MotivHealth to find in-network doctors.

Preventive services, or your routine healthcare, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems. These are typically procedures covered by insurance to encourage wellness and overall better health.  

HSAs are personal health savings accounts that allow you to contribute, withdraw and save money to use for qualified medical expenses tax-free.