For Atrium Health Navicent 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:

  • Health Savings 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 Navicent Health Plans cover preventive exams and most preventive medications 100%.  
Typically considered preventive care and covered 100% are: wellness office visits, wellness immunizations, PAP smears, mammograms and colonoscopies

Teammate Health in both Macon and Milledgeville provide walk-in urgent care, scheduled sick visits, immunizations and annual exams (including general labs) for Atrium Health Navicent teammates and their spouses who are covered on a Navicent health insurance plan.  

Out-of-Pocket Maximum  

Out-of-Pocket Maximum is the most money you could pay annually before the Atrium Health Navicent 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 Navicent facilities and In-Network providers. This limit does not include premiums, balance-billed charges, healthcare not covered by the plan, and penalties.     

Last Updated on 02/08/2024