Find important information and answers to many commonly asked questions:

• Deductibles, Co-Pays and Co-Insurance: Understand the differences in deductibles, co-payments and co-insurance, and find out what out of pocket costs you are responsible for under your plan.
  
  
• Flexible Spending Accounts (FSAs): Learn about FSAs, how they work and how they compare to HSAs and HRAs.
  
  
• Health Saving Accounts (HSAs): Learn about HSAs, how they work and how they compare to FSAs and HRAs.
  
  
• Health Reimbursement Accounts (HRAs): Learn about HRAs, how they work and how they compare to FSAs and HSAs.
  
  
• Out of Network Costs: Find out how to get the most value out of your benefits by understanding how much more your out of pocket costs would be when using providers who are not in the Medica network.
  
  
• You're Pregnant!: Find out what you need to do to get the most out of your benefits during your Pregnancy.
  
  
• Referrals: Read answers to many questions regarding referrals, including how they work and when you need one.
  
  
• Saving With Generics: Learn how much you could save by comparing commonly prescribed non-Formulary brand-name drugs and their generic or Formulary alternatives.
  
  
• When and Where to Get Care: Find out how to decide when to seek care and what type of provider (Convenience Care, Doctor's Office, Urgent Care Center or Emergency Room) to visit.