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Table of Contents |
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| Detailed Table of Contents | |
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Your Rights and Responsibilities
How the CIGNA Group Health Program Medical Program Options Work
How the UHC Group Health Program Medical Program Options Work
How the Blue Cross and Blue Shield (BCBS) Group Health Program Medical Program Option Works
How the Health Maintenance Organization (HMO) Program Works
Special Extensions of Coverage
Your Legal Right to Continuation Coverage Under COBRA
Coordinating Benefits With Other Programs
Situations Affecting Your Benefits
Medical, Prescription Drug, Mental Health and Substance Abuse, and HMO Programs
How the UHC Group Health Program Medical Program Options Work
General Information
Coinsurance
Coinsurance is the percentage of covered expenses you and the Program are responsible for paying. Percentages apply after any applicable deductible or copayment requirement has been met.
The percentage you pay (e.g., 10%, 15%, 20%, 30%, 35%, or 100%) depends on the coverage option you elect, the type of service you receive, and whether you receive in- or out-of-network care. You pay coinsurance amounts until you reach the annual out-of-pocket limit. Once you reach the out-of-pocket limit, the Program starts to pay benefits for covered expenses at 100%.
