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  • What’s an Annual Deductible?

    The annual deductible is a fixed dollar amount you pay for covered services each calendar year or plan year before HMSA will pay for certain services.

  • What’s the Guide to Benefits?

    Your Guide to Benefits for medical and dental plans includes important information about your plan benefits, limitations, and exclusions.

  • What’s an Annual Copayment Maximum?

    The annual copayment maximum is a fixed limit or cap to your total out-of-pocket expenses for most covered services in a calendar year or plan year.

  • Examples of Medical Emergencies

    Not sure if your ailment is an emergency? Learn how to make an informed decision.

  • Continuing Your Medical Coverage with COBRA

    If your employer-sponsored group coverage ends, you may be able to continue your group coverage for a limited time through COBRA.

  • When to Use the Emergency Room

    Emergency services are for sudden and serious injuries or illnesses. If you have a condition that requires emergency care, call 911 or go to the nearest emergency room.

  • What’s a Lifetime Maximum?

    A lifetime maximum is the maximum dollar amount that will be paid on your behalf under your HMSA plan.

  • Calculating Your PPO Plan Copayment

    Learn how HMSA calculates your copayment for covered services participating and nonparticipating providers.

  • What’s a Benefit Maximum?

    A benefit maximum is a limit on a covered service or supply. A service or supply may be limited by dollar amount, duration, or number of visits.

  • Drug Categories

    Learn the difference between the drug categories and which can save you the most.