As you read about your coverage, use the glossary below. It will help you make sense of unfamiliar words and phrases. 

Insurance Terms and Definitions

The amount of money that's taken monthly from each paycheck (or bank account) to pay for your health and/or dental insurance coverage.

The amount of money you pay out of pocket for care before your plan begins to pay for benefits. 

  • Under the UIChoice health plan, the deductible applies to inpatient facility services only.
  • Under the UISelect health plan, there is a standard deductible for Level 1 and Level 2 services (excluding preventive care services).
    • Level 1 - Employee: $400  |  Family: $800
    • Level 2 - Employee: $800  |  Family:  $1,600
  • The SHIP health plan has a $300 deductible for inpatient admissions only and is taken only once per admission.
  • The UIGRADCare plan does not have a deductible but has a $125 per day copay for inpatient admissions.

The percentage you pay for covered services after you've reached your deductible.

The flat dollar amount you'll pay for covered services at the time of service.

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copays and coinsurance, the plan pays 100 percent of covered services.

"in-network" health care providers have contracted with our insurance company to accept discounted rates. "Out-of-network" providers have not agreed to the discounted rates. You will pay much less at in-network doctors, hospitals and pharmacies. 

Care you receive to prevent illnesses or diseases, rather than treat them. This includes annual physicals and well-child exams, immunizations, screenings, health counseling and more.

A list of prescription drugs covered by insurance.

Flexible spending account. Use it to set aside pre-tax dollars to pay for certain qualified expenses, like medical care or child/dependent care.