Common Insurance Terms Premium: The amount you pay for insurance Medical Copayment (copay): The fixed amount you pay to receive services Deductible: The amount of money you are responsible for before insurance kicks in and starts paying their portion Coinsurance: The percentage of cost that is split between you and the insurance carrier once your deductible is met Out-of-Pocket Maximum: The most you will pay per plan year for health care expenses, including deductibles, flat dollar copays and coinsurance Amounts shown below are your responsibility. This table only shows in-network benefits BCBS BlueCross BlueShield of Oklahoma $5,000 HDHP Plan Network Blue Advantage Coinsurance After deductible, BCBS pays 100% Office Visit Copay No charge after deductible Preventive Care Covered in full Urgent Care Copay No charge after deductible Emergency Room No charge after deductible Outpatient Hospital Services No charge after deductible Inpatient Hospital Services No charge after deductible Individual: $5,000 Plan Year Deductible Family: $10,000 Individual: $5,000 Medical Out-Of-Pocket .Maximum Family: $10,000 Prescription Coverage* Copays OU Health / BCBS Generic Preferred Brand No charge after deductible Non-Preferred Brand Specialty 11