This is the amount you pay before your insurance begins picking up any of the costs for certain services during the year. Log in to MyBluel after your effective date to see how much you've spent toward your deductible.

Your in-network deductible is nothing.

This is the most you pay per plan year for covered health expenses before the plan pays 100 percent of covered expenses for the rest of the year.

Log in to MyBluel to see how much you've spent toward your out-of-pocket maximum.

Your in-network out-of-pocket maximum is $4,500 per member or $9,000 per family.

A copayment is the cost you're required to pay for certain services or prescription drugs.

Your in-network copayments are:

Doctor's office visit: $20

Specialist visit: $30

Emergency room: $100

Prescription drugs: $10-$100¹

1. Cost share waived for Tier 1 birth control.

Co-insurance is the percentage of costs that you pay, or "share," for most out-of-network services.

Your out-of-network co-insurance is 20 percent after your deductible.