Grandpa with granddaughter

Learn how insurance works

Insurance is more than assistance with your doctor bills. It works by protecting you from risk. As a health insurer, we protect your finances if you’re in a serious accident or if you’re diagnosed with a serious disease. We cap your annual out-of-pocket costs and negotiate discounts with your providers to give you the best possible rate for services.

Understanding your premiums

Each month, you pay a monthly fee for your health care coverage. Learn where that money goes and how it benefits you.


Understanding claims

When you receive health care, your doctor submits a bill, also called a claim, to us. So, how do we figure out who pays what?

What are coverage areas?

See what you need to know about getting medical help in and out of your coverage area.