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