Frequently Asked Questions

 Open enrollment is a time each year when you can enroll in, change, or cancel your health insurance plans. 

When your circumstances change such as getting married, divorcing, discovering you're pregnant, experiencing the loss of a family member, or losing your job you may be eligible to update your health plan.

A deductible is the amount you must personally pay for covered healthcare services before your insurance plan starts sharing the costs.

A copayment is a fixed fee that you pay for healthcare services or prescription medications, which can be required both before and after meeting your deductible.

Coinsurance is the portion of medical expenses you are responsible for paying after you have met your deductible.

The out-of-pocket maximum is the highest amount you'll spend on covered services within a plan year. After reaching this limit, your insurance provider covers 100% of the costs for covered services for the remainder of the plan year. This amount includes your deductible, copayments, and coinsurance, but excludes your premiums.

Preventive care may involve doctor visits, wellness check-ups, and various screenings, such as those for cancer, cholesterol, and high blood pressure, among others.

Telemedicine involves providing medical care remotely through technology. Using telecommunications systems, a physician in one location can offer healthcare services to a patient situated elsewhere.