A doctor, lab or hospital who is contracted with the insurance company and who must discount their fees for you

Any drug not on the formulary (a comprehensive list of pre-approved drugs, generic and brand name, that an insurance company will cover). You get no coverage for it.

The most medical expenses you are responsible for in any calendar year

All medical services you receive, from a doctor, lab, hospital, etc.

What the doctors charge you just for showing up and reading old magazines; sometimes you pay only a co-pay

The medical expenses you are responsible for before your health insurance plan helps you

What you pay to own the policy

What you pay for your medical expenses