Key terms

Knowing these important terms will help as you're comparing options.

Coinsurance. Percentage of charges your employees pay when they receive a covered service.

Copayment. Specific dollar amount your employees pay when they receive certain covered services or prescriptions. Copayments vary depending on the plan and the service.

Deductible. Fixed amount employees must pay in a calendar year before we will cover certain services in that calendar year.

Health savings account (HSA). A savings account intended to be used for health care expenses. These include physician services, room and board, surgery, anesthesia, X-rays, lab tests, and drugs received in an inpatient setting.

Medical review. A process used to assess an applicant's current and past health information to determine eligibility for health care coverage.

Premium. The fixed amount that your employees will pay every month for health coverage.

Preventive care. Includes screening exams, routine preventive physical exams for adults and children, prenatal care, and vaccines (immunizations).

Subsidized plans. Select health care plans that are supported financially in part or in whole by the state or federal government, or by Kaiser Foundation Health Plan of Hawaii.


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