A fixed amount you pay for specific healthcare services or medications at the time of receiving them (e.g., $20 for a doctor's visit). In many cases, patients only have to pay this amount for routine exams even before they hit their deductible. 

Your share of the costs for covered healthcare services, typically calculated as a percentage (e.g., you pay 20% of the bill, and your insurance covers 80%). 

The maximum amount you have to pay in a year for covered medical expenses; after this limit is reached, your insurance covers 100% of eligible costs. 

A group of healthcare providers, hospitals, and facilities that have agreements with your insurance company to provide services at a negotiated rate. 

Healthcare providers or facilities that have a contract with your insurance company and typically result in lower out-of-pocket costs for you.

Healthcare providers or facilities that do not have a contract with your insurance company, often resulting in higher costs for you. 

The process of getting approval from your  insurance company before certain medical procedures or treatments are covered. 

The doctor you choose to be your main healthcare provider and coordinate your overall medical care. Typically, visits with primary care physicians have low co-pays. 

A healthcare provider with expertise in a specific area of medicine, often requiring a referral from your PCP for coverage. 

Routine healthcare services and screenings aimed at detecting and preventing illnesses or health issues before they become serious. 

Insurance benefits that help pay for the cost of prescription medications. 

A statement from your insurance company that explains how they processed a claim, including what they paid and what you can expect to receive a bill for. 

A specific time each year when you can sign up for or make changes to your health insurance plan. 

A health insurance plan with a higher deductible and lower premiums, often paired with a Health Savings Account (HSA). 

A tax-advantaged savings account that allows you to set aside money for qualified medical expenses. 

Health insurance coverage for family members, such as spouses and children, under the policyholder's plan.