Posts by resig
IN-NETWORK / OUT-OF-NETWORK
Network providers (doctors, hospitals, labs, etc.) are contracted with your health plan and have agreed to charge lower fees to plan members, as negotiated in their contract with the health plan. Services from out-of-network providers can cost you more because the providers are under no obligation to limit their maximum fees. With some plans, such as HMOs and EPOs, services from out-of- network providers are not covered at all.
Read MoreCOPAY
A set fee you pay whenever you use a particular healthcare service, for example, when you see your doctor or fill a prescription. After you pay the copay amount, your health plan pays the rest of the bill for that service.
Read MoreCOINSURANCE
After you meet the deductible amount, you and your health plan share the cost of covered expenses. Coinsurance is always a percentage totaling 100%. For example, if the plan pays 70% coinsurance, you are responsible for paying your coinsurance share, 30% of the cost.
Read MoreDEDUCTIBLE
The amount of healthcare expenses you must pay for with your own money before your health plan will pay. The deductible does not apply to preventive care and certain other services.
Read MoreOUT-OF-POCKET COST
A healthcare expense you are responsible for paying with your own money, whether from your bank account, credit card, or from a health account such as an HSA, FSA or HRA.
Read MoreI’m a retiree or COBRA participant. How do I make a premium payment?
Retirees or COBRA participants may set up a recurring ACH payment, or they can mail a check or money order to the RESIG office. Cash is not accepted at this…
Read MoreWho Administers COBRA?
RESIG will administer COBRA and CalCOBRA for member districts.
Read MoreWhat is the cost of COBRA?
The cost of COBRA is the same premium charged to the district for the plan that the member was enrolled in prior to losing coverage, plus a 2% administration fee…
Read MoreWhat is COBRA?
COBRA is temporary group health benefits the member and their family can enroll in after losing coverage through their district. The coverage period is up to 18 months and not…
Read MoreIs Medicare required for retiree enrollment?
Yes, retirees must have continuous enrollment in Medicare Parts A and B while enrolled in a RESIG retiree plan. Retirees and their spouses/domestic partners that are Medicare eligible (65+ years…
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