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Topic: Benefits & Tools

Deductibles, copays, and coinsurance: Understanding the out-of-pocket costs of health insurance

Health insurance can be confusing. It isn’t always easy to understand the different costs that may be part of your health plan. Premiums, deductibles, copays, coinsurance, out-of-pocket maximums—if you’re not really sure what these terms mean, you’re not alone. Educating yourself about how health insurance works can help you plan ahead, calculate how much you may need to pay for your health care, and make the most of your health plan.

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Where to go for medical care

It isn’t always easy to know what to do, especially when symptoms come on suddenly, but knowing where to go for medical care is a key part of being an informed health care consumer. Before you wait for hours in the ER and end up with an exorbitant hospital bill, take a few moments to consider your options. It could save you time, money, and a lot of frustration.

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Earn rewards when you take a Health Risk Assessment

A Health Risk Assessment is an online program that helps determine your risk for certain health conditions and gives you a personalized plan for achieving your specific health goals. Available to all APWU Health Plan members, Health Risk Assessments analyze your health-related responses and create a profile with information to put you on a path toward good physical and mental health.

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