For Atrium Health Floyd Teammates

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Deductibles, Coinsurance and Co-Pays

A deductible is the amount you owe for covered health care services and most prescription medications.

How deductibles work:

  • Choice Plan: Deductible applies to all office visits, medications, and outpatient and inpatient services with the exception of preventive care 
  • Co-Pay Plan: No deductibles for office visits, medications, or preventive care. Deductibles apply to outpatient and inpatient services. 

Coinsurance is the percentage you pay for covered services once you’ve met the annual deductible. 

A co-pay is a flat dollar amount you typically pay for things like physician office visits and most prescription drugs. 

Preventive Care 

The Atrium Health Floyd Health Plans cover preventive exams, labs and most preventive medications 100%.  
Typically considered preventive care and covered 100% are: wellness office visits, wellness immunizations, PAP smears, mammograms and colonoscopies

Out-of-Pocket Maximum  

Out-of-Pocket Maximum is the most money you could pay annually before the Atrium Health Floyd Health Plans pay 100% for covered health care services and prescription medications. This maximum amount includes deductibles, coinsurance, and copayments, and may be satisfied through a combination of Atrium Health Floyd facilities and In-Network providers. This limit does not include premiums, balance-billed charges, health care not covered by the plan, and penalties.     

Last Updated on 02/08/2024