Open Enrollment Questions?

Horst Insurance is your resource for understanding and navigating open enrollment. It starts with knowing the terms.

Terms To Know

DEDUCTIBLE – The amount you pay for covered health care services before your insurance plan starts to pay.
COINSURANCE – The percentage of costs of a covered health care service you pay (20 percent, for example) after you’ve paid your deductible.
PREMIUM – The amount you pay for a health plan in exchange for coverage.
OUT-OF-POCKET MAXIMUM (OOPM) – The highest out-of-pocket amount paid for covered services during a benefit period.
OUT-OF-NETWORK SERVICE – Health care you receive without a physician referral or services received by a non-network service provider.

We know understanding the terms is just a start. If you have any questions related to open enrollment, please email us any time or call us.

Let us know your questions, and if you would like more information about any of the following:

  • Basic definitions
  • Plan type comparisons
  • HSA/FSA/HRA explanations
  • Preventive care
  • Disease management
  • Voluntary benefits