What is a Deductible?
A deductible is the amount you must pay out-of-pocket for covered healthcare services before your health plan begins to pay. Deductibles can vary depending on the plan and may be separate for in-network and out-of-network services. We encourage you to review your plan document for the specific benefits and coverage details.
What is a Copayment or Coinsurance?
A copayment is a fixed amount you pay for a covered healthcare service, while coinsurance is a percentage of the cost of a covered service. Both copayments and coinsurance typically apply after you've met your deductible. We encourage you to review your plan document for the specific benefits and coverage details.
What is an Out-of-pocket Maximum?
An out-of-pocket maximum is the most you'll have to pay for covered healthcare services in a plan year. After you reach this amount, your health plan will pay 100% of the allowed amount for covered services for the rest of the plan year.
What is a Provider Network?
A provider network is a group of healthcare providers, such as doctors, hospitals, and pharmacies, that have contracted with your health plan to provide services at a negotiated rate. Staying within your plan's network can help lower your out-of-pocket costs.
How do I Find an In-network Provider?
You can find a list of in-network providers on the Covet Health mobile app or on the member web portal. To learn more about network providers, please refer to this article that will provide additional details.
What if I Have Questions About My Plan or Need Help With a Claim?
Contact your Covet Health Concierge team via the Covet Health app, email support@covethealth.io, or call at +1 (909) 315-4751. They can provide assistance with questions about coverage, claims, or finding a provider. If you have questions about your specific plan or benefits offered by your employer, you may also contact your company's Human Resources department or benefits administrator.
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