What’s a deductible?
A deductible is the amount you pay towards covered medical expenses before your health insurance begins
covering your costs. Many companies opt for deductible options to reduce the overall cost of their insurance.
Once you have met your deductible, Integra Global will cover all costs for treatment, as per your table of
benefits, for the remainder of your policy year.
Please note that some of your cover is exempt from the deductible, such as wellness and vision care benefits,
so please refer to your table of benefits for details.
What is co-payment?
Co-payment is the percentage of costs you are responsible for covering in your plan, after your the deductible
has been taken into account.
Integra Global pays 100% of costs for the majority of benefits. However, some benefits are covered at 90%. For
these benefits, the member will cover the remaining 10% of costs. Please refer to your table of benefits to see
which benefits and treatments are subject to a co-pay.
What’s an out of pocket maximum/limit?
An out of pocket maximum or limit improves your benefits by limiting the portion of co-payment you are liable
to pay in a policy year. Essentially an out of pocket limit caps your responsibility of payment costs.
The maximum individual out of pocket on our group plans is $1,000 per policy year. Once this limit has been
met, your covered medical expenses are paid at 100%.
This essentially means you will never pay more than USD $1,000 out of pocket to cover your medical costs.