Healthmate Coast-to-Coast
HealthMate Coast-to-Coast offers you coverage for many services with fixed-dollar copays or coinsurance. (See below for definitions of “coinsurance” and other words you’ll see frequently.) With your member ID card, you have access to thousands of providers across the country.
A few highlights of your plan:
- $0 for many preventive services, such as your annual physical, when you see a network provider
- Predictable copays for many services
- Lower costs for seeing in-network providers
- Access to an extensive national network
$0 for prevention
You can make a big difference in your health by getting the preventive care you need. Annual physicals, routine tests, and many more services may cost you nothing out-of-pocket when you receive the services in-network.
Find a doctor and see the cost
Know the basics
The amount you pay before your health plan starts to pay for certain medical bills. It resets every calendar year or plan year.
A specific dollar amount you pay when you get healthcare. Example: A doctor might charge $100 for a visit. If your health insurance has a $20 copay, you would pay the doctor $20 and your insurance would pay the doctor $80.
The percentage of the total medical bill that you have to pay after you’ve met your deductible. For example, some plans have a 20% coinsurance charge for physical therapy. So if the total bill is $100, the coinsurance would be $20.
The maximum amount you would pay out-of-pocket for covered healthcare services each year, including deductible, copays, and coinsurance. After the out-of-pocket is met, in-network covered services are paid at 100% by Blue Cross & Blue Shield of Rhode Island.