Preventive care includes services such as screenings, immunizations, and counseling to prevent illnesses, diseases, and other health problems. Many health insurance plans cover preventive care at no cost to you

HMO (Health Maintenance Organization) plans typically require you to choose a primary care physician (PCP) and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility to see any doctor or specialist without needing referrals, but usually at a higher cost

A deductible is the amount of money you must pay out of pocket before your insurance starts covering certain medical expenses. For example, if your deductible is $1,000, you’ll need to pay $1,000 towards eligible medical costs before your insurance begins to pay its share

Copayment, or Co-Pay, is a fixed amount you pay for covered healthcare services at the time of service. For instance, you might have a $20 copay for doctor visits or a $10 copay for prescriptions

Coinsurance is your share of the costs of a covered healthcare service, calculated as a percentage (for example, 20%) of the allowed amount for the service. After you’ve met your deductible, you typically pay coinsurance in addition to any copayments or deductibles