With Flex plans, you can pay lower out-of-pocket costs when you get laboratory services or outpatient surgery from Flex providers. The deductible, which most Flex plans include, will not apply; you'll have no charge for lab tests (except for genetic testing) and pay a copayment (typically lower than a deductible) for outpatient surgery.
Example: Imagine you need outpatient surgery.
Look up providers for the Flex plan you're considering. HMO plans require a referral from your primary care provider or specialist. The provider directories will note which providers are Flex providers.
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