Find important information and answers to many commonly asked questions about:

• Deductibles, Copayments and Coinsurance: Better understand deductibles, copayments and coinsurance, 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 Savings 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 Care: You get your highest benefits when you see Medica network providers. To see how much you save, check out this side-by-side comparison of costs for care received from an in-network versus an out-of-network provider.
  
  
• Pregnancy Care: Find out what you need to do to get the most out of your benefits during your pregnancy.
  
  
• Preventive Care: Understand what is and isn’t covered under your preventive benefit.
  
  
• Referrals: Read answers to many questions regarding referrals, including how they work and when you need one (applies to Medica Elect and Medica Essential members only).
  
  
• Saving With Generics: Learn how much you could save by comparing commonly prescribed brand-name drugs with their less expensive generic 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.

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