Wyoming Educators' Benefit Trust
Frequently Asked Questions
Subscriber Liability
What is the definition of subscriber liability?
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Subscriber liability refers to any expenses a cardholder is responsible for, such as a deductible, a co-payment, coinsurance, a sanction or a charge for a non-covered service.
What is a deductible?
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The deductible is the amount a cardholder pays before his or her health plan begins to pay for covered services. Deductibles are on a calendar year basis, and start over each January.
What is a Co-payment?
- A co-payment is a fixed amount or a percentage of the approved amount a cardholder must pay for a covered service.
Please note: the $30/$40 copay on the $1,000/$1,500 option does not apply to the
deductible.
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- What is Coinsurance?
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The portion of a Participant's Allowable Charges for which they are
responsible after the Deductible is met.
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- What about payment on a non-covered services?
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- If a service is not covered under your health benefits plan, you must pay for it. This amount will not go towards any out of pocket maximum
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