We’re here to help you become familiar with common health insurance terms used within your plan to help you better understand your plan documents. Here are just a few commonly used terms you may come across:
Premium: The amount that you pay in order to have health insurance. This is usually paid monthly, quarterly or yearly by you and/or your employer.
Copay: Also called a copayment. This is the fixed amount you pay for a covered health care service each time you receive it. The amount may vary depending on the type of service.
Deductible: This is the amount you pay out-of-pocket for covered health care services before your health insurance provider begins to pay. It may take a few doctors visits before you meet your deductible.
Coinsurance: Sometimes the cost for your medical services is shared between you and your health insurance company. Coinsurance is calculated as a percentage of the total cost you must pay above and beyond your copay.
The world of health care includes many more commonly used terms. You can use Priority Health’s in-depth glossary to check for definitions any time you’re reading your plan documents.
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*If you have a Telehealth PCP - Virtual First plan you must first contact your assigned virtual Doctor On Demand primary care physician (PCP) to receive non-emergency care. Please refer to your plan documents for more information.