Getting The Most From Your Plan

Just like that script-writing software you may have stashed in the garage, there are time-saving (and money-saving) medical plan "devices" that work well - if you use them.

The Regular Plan gives you a choice when it comes to getting medical care. Depending on how you use the plan, you'll pay more or less for your care. You'll also spend more or less time filing claims.

What Does All This Mean If I Go To The Doctor?
If you go to a network provider:

• If you haven't met your calendar-year deductible, you'll pay the full amount of the provider's charge, up to the contracted rate, and that amount will be credited toward your deductible.
• If you've met your calendar-year deductible, you'll pay only the coinsurance based on the contracted rate, and a copay, if applicable.

If you go to a non-network provider:

• If you haven't met your calendar-year deductible, you'll pay the full amount.
• If you've met your calendar-year deductible, you'll pay a coinsurance percentage (higher than the network percentage) of the R&C charges, and a copay, if applicable.
• If the physician charges more than the R&C limits, you'll also pay the full amount over the R&C limit.