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Basics of the Healthcare  Form

Basics of the Healthcare Form

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Hi, I'm Anna. I have a Blue Cross Blue Shield of Michigan PPO health care plan through my employer. I was confused by all the language…like premiums, deductibles and copays. So, I talked to a Blue Cross representative who explained everything to me. I learned that my plan’s BENEFITS are the health care services that my plan covers… like doctor visits and routine physicals. My PREMIUM is the amount I pay for my plan coverage. Some folks, like me, have all or part of their premium paid by their employer. Others pay for this monthly expense themselves. I asked what other costs I might have in addition to my premium. I learned my plan has a $30 COPAY for visits to my primary care doctor. A copay is the set amount I pay when I receive health care services. So, if a doctor visit costs $85, I have to pay my $30 office visit copay. My healthcare plan pays the rest. I also have a deductible. A DEDUCTIBLE is what I pay for covered medical services before my health plan starts to pa

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