Save money with Flex plans

Pay lower out-of-pocket costs for select services.

How Flex plans help you save money

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.

  • If you go to a Flex provider, your care will be covered with a copayment.*
  • If you do not go to a Flex provider, the deductible (and other cost sharing, depending on your plan) will apply. This means you'll pay the provider's bill for the procedure, up to your plan's applicable deductible amount.

Find Flex providers

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.

HMO - Flex

PPO - Flex

Disclosures

*Members on HSA plans have to meet their annual deductible first, and then they may pay lower out-of-pocket costs.