1 of 16

AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015

!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
'his is on&# a s"mmar#( If you want more detail about your coverage and costs, you can get the complete
terms in the policy or plan document at www.anthem.com or by calling 1-844-404-6843.
)mpor%an% *"es%ions Ans+ers Wh# %his Ma%%ers:
What is the overall
deductible?
For in-network providers
,1-000 individual /
,2-500 family
For out-of-network providers
,5-000 individual /
,10-000 family
Doesnt apply to in-network
preventive care, routine eye
exams or outpatient
labsx-rays or ultrasounds.
!ou must pay all the costs up to the deductible amount
before this plan begins to pay for covered services you use.
"heck your policy or plan document to see when the
deductible starts over #usually, but not always, $anuary
%st&. 'ee the chart starting on page ( for how much you pay
for covered services after you meet the deductible.
Are there other
deductibles for
specic services?
!es. For durable medical
e)uipment there is a ,250
deductible.
!ou must pay all of the costs for these services up to the
speci*c deductible amount before this plan begins to pay
for these services.
!s there an out"of"
poc#et limit on m$
e%penses?
For in-network porivders
,6-600 individual/,1-200
family
For out-of-network providers
,10-000 individual /
,20-000 family
+he out-of-poc#et limit is the most you could pay during a
coverage period #usually one year& for your share of the cost
of covered services. +his limit helps you plan for health care
expenses.
What is not included
in the out"of"poc#et
limit?
,alance-,illed charges,
-ealth "are this plan doesnt
cover, .remiums, /ut-of-
network deductibles, and
/ut-of-network pharmacy
claims.
0ven though you pay these expenses, they dont count
toward the out-of-poc#et limit.
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
2 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
!s there an overall
annual limit on what
the plan pa$s?
2o.
+he chart starting on page ( describes any limits on what
the plan will pay for specifc covered services, such as o3ice
visits.
(oes this plan use a
networ# of
providers?
!es. For a list of preferred
providers, see
www.anthem.com or call
%-455-565-745(
If you use an in-network doctor or other health care
provider, this plan will pay some or all of the costs of
covered services. ,e aware, your in-network doctor or
hospital may use an out-of-network provider for some
services. .lans use the term in-network, preferred, or
participating for providers in their networ#. 'ee the chart
starting on page ( for how this plan pays di3erent kinds of
providers.
(o ! need a referral
to see a specialist?
2o.
!ou can see the specialist you choose without permission
from this plan.
Are there services
this plan doesn)t
cover?
!es.
'ome of the services this plan doesnt cover are listed on
page 7. 'ee your policy or plan document for additional
information about e%cluded services.
*opa$ments are *xed dollar amounts #for example, 8%9& you pay for covered health care, usually when you
receive the service.
*oinsurance is your share of the costs of a covered service, calculated as a percent of the allowed
amount for the service. For example, if the plans allowed amount for an overnight hospital stay is
8%,666, your coinsurance payment of :6; would be 8:66. +his may change if you havent met your
deductible.
+he amount the plan pays for covered services is based on the allowed amount. If an out-of-network
provider charges more than the allowed amount, you may have to pay the di3erence. For example, if an
out-of-network hospital charges 8%,966 for an overnight stay and the allowed amount is 8%,666, you may
have to pay the 8966 di3erence. #+his is called balance billin+.&
+his plan may encourage you to use in-network providers by charging you lower deductibles,
copa$ments and coinsurance amounts.
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
!f $ou visit a
health care
provider)s
o,ice or clinic
.rimary care visit to treat an
in<ury or illness
8:9 copayvisit
96;
coinsurance
============none============
'pecialist visit 856 copay visit
96;
coinsurance
============none============
/ther practitioner o3ice visit
"hiropractor
856 copayvisit
>cupuncturist
2ot covered
"hiropractor
96;
coinsurance
>cupuncturist
2ot covered
"hiropractic care limited to
%: visits per member per
calendar year.
.reventive
carescreeningimmuni?ation
2o "ost 'hare
96;
coinsurance
============none============
!f $ou have a
test
Diagnostic test #x-ray, blood
work&
2o "ost 'hare
96;
coinsurance
"osts may vary by site of
service.
Imaging #"+.0+ scans, @AIs& 6; coinsurance
96;
coinsurance
============none============
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
5 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
!f $ou need
dru+s to treat
$our illness or
condition
@ore
information
about
prescription
dru+ covera+e
is available at
www.express-
scripts.com
1eneric drugs #Aetail(6 dayB
@ailC6 day&
8%6 Aetail8:6
@ail
2ot "overed
@aintenance @eds are re)uired to be
*lled mail order after ( *lls at retail
#penalty applies&. If pre-auth re)uired D
not obtained, drug may not be covered.
"ertain .reventive meds no copay. If a
generic e)uivalent is available D brand is
prescribedmember will pay brand name
cost di3erence. .lan uses preferred drug
list to identify coverage.
.referred brand drugs #Aetail(6 dayB
@ailC6 day&
8(9 Aetail84E.9
@ail
2ot "overed
2on-preferred brand #Aetail(6dayB
@ailC6day&
876 Aetail8%96
@ail
2ot "overed
'pecialty drugs
>ll 'pecialty
meds process
through
>ccredo at the
mail order
costs.
2ot "overed
+he mail order cost will be
based on the medication tier
#generic, preferred, non-
preferred&. 'pecialty meds can
not be *lled at retail
pharmacies.
!f $ou have
outpatient
sur+er$
Facility fee #e.g., ambulatory
surgery center&
6; coinsurance
96;
coinsurance
============none============
.hysiciansurgeon fees 6; coinsurance
96;
coinsurance
============none============
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
5 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
!f $ou need
immediate
medical
attention
0mergency room services
8%96 copay
visitF
professional
and other
services sub<ect
to deductible
8%96 copay
visitF
professional
and other
services
sub<ect to
deductible
8%96 copay is waived if
admitted for inpatient stay.
@embers may be balance
billed for out of network
services.
0mergency medical
transportation
6; coinsurance
6;
coinsurance
@embers may be balance
billed for out of network
services
Grgent care 896 copay 896 copay
@embers may be balance
billed for out of network
services
!f $ou have a
hospital sta$
Facility fee #e.g., hospital room& 6; coinsurance
96;
coinsurance
.recerti*cation is re)uired
for Inpatient hospital
admission. > 8966 penalty is
applied if an /ut of 2etwork
admission is not precerti*ed.
.hysical @edicine and
Aehabilitation limited to %66
days per member per
calendar year.
.hysiciansurgeon fee 6; coinsurance
96;
coinsurance
============none============
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
6 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
!f $ou have
mental health-
behavioral
health- or
substance
abuse needs
@ental,ehavioral health
outpatient services
@ental,ehavio
ral -ealth
/3ice Hisit
8:9 copayvisit
@ental,ehavio
ral -ealth
Facility
Hisit
6; coinsurance
@ental,ehavi
oral-ealth
/3ice Hisit
96;
coinsurance
@ental,ehavi
oral -ealth
Facility
Hisit
96;
coinsurance
============none============
@ental,ehavioral health
inpatient services
6; coinsurance
96;
coinsurance
.recerti*cation is re)uired
for Inpatient hospital
admission. > 8966 penalty is
applied if an /ut of 2etwork
admission is not precerti*ed.
'ubstance use disorder
outpatient services
'ubstance
>buse /3ice
Hisit
8:9 copayvisit
'ubstance
>buse Facility
Hisit
6; coinsurance
'ubstance
>buse /3ice
Hisit
96;
coinsurance
'ubstance
>buse Facility
Hisit
96;
coinsurance
============none============
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
6 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
'ubstance use disorder
inpatient services
6; coinsurance
96;
coinsurance
.recerti*cation is re)uired
for Inpatient hospital
admission. > 8966 penalty is
applied if an /ut of 2etwork
admission is not precerti*ed.
!f $ou are
pre+nant
.renatal and postnatal care 6; coinsurance
96;
coinsurance
============none============
Delivery and all inpatient
services
6; coinsurance
96;
coinsurance
============none============
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
7 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
!f $ou need
help recoverin+
or have other
special health
needs
-ome health care 6; coinsurance
96;
coinsurance
============none============
Aehabilitation services
856 copay for
outpatient
services. 6;
coinsurance for
inpatient care.
96;
coinsurance
Iimited to 76 visits combined
physical therapy, speech
therapy and occupational
therapy. 'ervices from In-
2etwork and /ut-of-2etwork
providers count toward your
limit.
-abilitation services
856 copay for
outpatient
services. 6;
coinsurance for
inpatient care.
96;
coinsurance
>ll rehabilitation and
habilitation visits count
toward your rehabilitation visit
limit.
'killed nursing care 6; coinsurance
96;
coinsurance
Iimited to %66 inpatient days
per member per calendar
year. .recerti*cation is
re)uired or 8966 penalty is
applied if an /ut of 2etwork
admission is not precerti*ed..
Durable medical e)uipment
8:96
deductible then
:6;
coinsurance
8:96
deductible
then :6;
coinsurance
8:96 deductible combined in
and out of network. @embers
may be balance billed for out
of network services.
-ospice service 6; coinsurance
96;
coinsurance
.recerti*cation is re)uired
for Inpatient hospital
admission. > 8966 penalty is
applied if an /ut of 2etwork
admission is not precerti*ed.
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
8 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
Common
Medi.a& Even%
!ervi.es /o" Ma# Need
/o"r Cos% )f
/o" 0se an
)n-ne%+or1
Provider
/o"r Cos% )f
/o" 0se an
O"%-of-ne%+or1
Provider
2imi%a%ions 3 E4.ep%ions
!f $our child
needs dental or
e$e care
0ye exam 2o cost share
96;
coinsurance
Iimited to one exam per year
for %4 and younger. Iimited
to one exam every : years for
%C and older.
1lasses 2ot "overed 2ot "overed ============none============
Dental check-up 2ot "overed 2ot "overed ============none============
E4.&"ded !ervi.es 3 O%her Covered !ervi.es:
!ervi.es /o"r P&an 9oes NO' Cover ./his isn)t a complete list. *hec# $our polic$ or plan document for other
e%cluded services.0
J >cupuncture
J "osmetic surgery
J Dental care #>dult&
J Iong-term care
J .rivate-duty nursing
J Aoutine foot care
J Keight loss programs
O%her Covered !ervi.es ./his isn)t a complete list. *hec# $our polic$ or plan document for other covered
services and $our costs for these services.0
J ,ariatric surgery
J "hiropractic care #Iimits apply&
J -earing aids #Iimits apply&
J Infertility treatment #Iimits apply&
J @ost coverage provided outside
the Gnited 'tates.
'ee www.,",'.combluecardworld
wide
J Aoutine eye care #>dult - Iimits
apply&
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
10 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
/o"r :igh%s %o Con%in"e Coverage:
If you lose coverage under the plan, then, depending upon the circumstances, Federal and 'tate laws may provide
protections that allow you to keep health coverage. >ny such rights may be limited in duration and will re)uire you
to pay a premium, which may be signi*cantly higher than the premium you pay while covered under the plan.
/ther limitations on your rights to continue coverage may also apply.
For more information on your rights to continue coverage, contact the plan at %-466-:94-9(%4. !ou may also contact
your state insurance department, the G.'. Department of Iabor, 0mployee ,ene*ts 'ecurity >dministration at %-477-
555-(:E: or www.dol.govebsa, or the G.'. Department of -ealth and -uman 'ervices at %-4EE-:7E-:(:( x7%979 or
www.cciio.cms.gov.
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
11 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
/o"r ;rievan.e and Appea&s :igh%s:
If you have a complaint or are dissatis*ed with a denial of coverage for claims under your plan, you may be able to
appeal or *le a +rievance. For )uestions about your rights, this notice, or assistance, you can contactB
>nthem ,lue "ross and ,lue 'hield
../. ,ox 95%9C
Ios >ngeles, "> C6695-6%9C
For grievances andor appeals regarding you prescription drug coverage, call the number listed on the back of
prescription member ID card or visit www.express-scripts.com.
For 0AI'> information contactB
Department of Iabors 0mployee ,ene*ts 'ecurity >dministration
%-477-555-0,'> #(:E:&
www.dol.govebsahealthreform
>dditionally, a consumer assistance program can help you *le your appeal. "ontactB
2ew -ampshire Department of Insurance
:% 'outh Fruit 'treet, 'uite %5
"oncord, 2- 6((6%
#466& 49:-(5%7
www.nh.govinsurance
consumerservicesLins.nh.gov
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
12 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
!"mmar# of $enefi%s and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family | P&an '#pe: PPO
9oes %his Coverage Provide Minim"m Essen%ia& Coverage<
+he >3ordable "are >ct re)uires most people to have health care coverage that )uali*es as Mminimum essential
coverage.N This plan or policy does provide minimum essential coverage.
9oes %his Coverage Mee% %he Minim"m =a&"e !%andard<
+he >3ordable "are >ct establishes a minimum value standard of bene*ts of a health plan. +he minimum value
standard is 76; #actuarial value&. This health coverage does meet the minimum value standard for the
benefts it provides.
2ang"age A..ess !ervi.es:
======================To see examples of how this plan might cover costs for a sample medical situation, see the next
page.===========
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
>aving a ?a?#
#normal delivery&
Managing %#pe 2 dia?e%es
#routine maintenance of
a well-controlled condition&
1 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
Coverage E4amp&es
Coverage for: Individual/Family | P&an '#pe: PPO
A?o"% %hese Coverage
E4amp&es:
+hese examples show how this plan
might cover medical care in given
situations. Gse these examples to
see, in general, how much *nancial
protection a sample patient might
get if they are covered under
di3erent plans.
Amo"n% o+ed %o providers: $7,540
P&an pa#s $,!70
Pa%ien% pa#s $","70
!amp&e .are .os%s:
-ospital charges #mother&
8:,E6
6
Aoutine obstetric care
8:,%6
6
-ospital charges #baby& 8C66
>nesthesia 8C66
Iaboratory tests 8966
.rescriptions 8:66
Aadiology 8:66
Haccines, other preventive 856
/otal
12-34
0
Pa%ien% pa#s:
Deductibles
8%,66
6
"opays 8:6
"oinsurance 86
Iimits or exclusions 8%96
/otal
11-12
0
Amo"n% o+ed %o providers: $5,400
P&an pa#s $!,!#0
Pa%ien% pa#s $$,0$0
!amp&e .are .os%s:
.rescriptions
8:,C6
6
@edical 0)uipment and
'upplies
8%,(6
6
/3ice Hisits and .rocedures 8E66
0ducation 8(66
Iaboratory tests 8%66
Haccines, other preventive 8%66
/otal
13-40
0
Pa%ien% pa#s:
Deductibles
8%,:9
6
"opays 85C6
"oinsurance 8:66
Iimits or exclusions 846
/otal
14-04
0
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.

'his is
no% a .os%
es%ima%or(
Dont use these
examples to estimate
your actual costs under
this plan. +he actual
care you receive will be
di3erent from these
examples, and the cost
of that care will also be
di3erent.
'ee the next page for
important information
about these examples.
15 of 16
AWANE: MA Comprehensive PPO Coverage Period: 01/01/2015-12/1/2015
Coverage E4amp&es
Coverage for: Individual/Family | P&an '#pe: PPO
&uestions' "all 1-844-404-6843 or visit us at www.anthem.com
If you arent clear about any of the underlined terms used in this form, see the 1lossary. !ou can view the 1lossary
at www.anthem.com or call 1-844-404-6843 to re)uest a copy.
*"es%ions and ans+ers a?o"% %he Coverage E4amp&es:
Wha% are some of %he
ass"mp%ions ?ehind %he
Coverage E4amp&es<
"osts dont include premiums.
'ample care costs are based on
national averages supplied by
the G.'. Department of -ealth
and -uman 'ervices, and
arent speci*c to a particular
geographic area or health plan.
+he patients condition was not
an excluded or preexisting
condition.
>ll services and treatments
started and ended in the same
coverage period.
+here are no other medical
expenses for any member
covered under this plan.
/ut-of-pocket expenses are
based only on treating the
condition in the example.
+he patient received all care
from in-network providers. If
the patient had received care
from out-of-network providers,
costs would have been higher.
Wha% does a Coverage E4amp&e
sho+<
For each treatment situation, the
"overage 0xample helps you see
how deductibles, copa$ments,
and coinsurance can add up. It
also helps you see what expenses
might be left up to you to pay
because the service or treatment
isnt covered or payment is limited.
9oes %he Coverage E4amp&e
predi.% m# o+n .are needs<
5o. +reatments shown are <ust
examples. +he care you would
receive for this condition could
be di3erent based on your
doctors advice, your age, how
serious your condition is, and
many other factors.
9oes %he Coverage E4amp&e
predi.% m# f"%"re e4penses<
5o. "overage 0xamples are not
cost estimators. !ou cant use
the examples to estimate costs
for an actual condition. +hey are
for comparative purposes only.
!our own costs will be di3erent
depending on the care you
receive, the prices your
providers charge, and the
reimbursement your health plan
allows.
Can ) "se Coverage E4amp&es
%o .ompare p&ans<
6es. Khen you look at the
'ummary of ,ene*ts and
"overage for other plans, youll
*nd the same "overage
0xamples. Khen you compare
plans, check the M.atient .aysN
box in each example. +he
smaller that number, the more
coverage the plan provides.
Are %here o%her .os%s ) sho"&d
.onsider +hen .omparing
p&ans<
6es. >n important cost is the
premium you pay. 1enerally,
the lower your premium, the
more youll pay in out-of-pocket
costs, such as copa$ments,
deductibles, and coinsurance.
!ou should also consider
contributions to accounts such
as health savings accounts
#-'>s&, Oexible spending
arrangements #F'>s& or health
reimbursement accounts #-A>s&
that help you pay out-of-pocket
expenses.