HOW TO FIND IN-NETWORK PROVIDERS
To utilize your benefits you want to seek services from in-network doctors and facilities. You can search and locate in-network providers by visiting www.MyHealthToolkitFL.com and following the below instructions.
Go to www.MyHealthToolkitFL.com and click on the highlighted field
Enter the name of the provider you wish to search and/or the desired location and/or the specialty. Choose “Show me only doctors and hospitals in my Plan” and enter the alpha prefix EQO in the field that pops up.
DOES ANYONE UNDERSTAND THIS STUFF?
YOU WILL IN A SECOND….
STARTING WITH THE BASICS (KEY TERMS)
Deductible is the amount you have to pay out of pocket for services not covered by a copay before co-insurance starts. Once you’re enrolled in medical, you're a Blue Cross Blue Shield member. Because you’re a member you get the discounted rate with all in-network providers and facilities! This discount is typically 50%-70% off the amount charged to someone without insurance. Coinsurance is cost-sharing. The cost-sharing “kicks in” AFTER you meet the deductible. Even though you’ve met your deductible, you still get the discounted rates! On the medical summary chart you can see coinsurance is 20% or 30% depending upon which plan you choose. When you have coinsurance, you pay 20% or 30% of that discounted rate and the plan pays the rest! Copayment (aka Copay) is a flat fee that you pay for medical services and/or prescriptions. On the Base H.S.A. Plan you do not have copays with the exception of prescriptions and virtual visits, though you must meet your medical deductible prior to having copays for prescriptions and virtual visits. Out of Pocket Maximum is the maximum total amount you will pay in deductible costs, coinsurance and copays during the policy year. Once you meet the Out of Pocket Maximum, the plan pays 100% of your costs.
4
Made with FlippingBook - Online Brochure Maker