A flat fee you pay for certain covered services such as doctor visits or prescriptions. You can use money in your reimbursement account to pay this fee.

Your deductible is the amount you need to pay each year before your plan starts paying benefits.

A percentage of covered expenses you pay after you meet your deductible.

A group of health care professionals and facilities that offer discounts on services based on their relationship with your insurance company. Using in-network services gives you significant discounts.

Health care professionals and facilities that do not belong to your insurance companies network. Depending on your plan you can use out-of-network services, but you may pay more for the same services, and the money you spend will go to your out-of-network deductible which is separate from your in-network deductible.