Coinsurance -  the percentage of covered health care costs that you pay after reaching your deductible
  Consumer Price Index Annual Adjustment -  The deductible, copay and out-of-pocket maximum amounts are subject to annual adjustments.
These adjustments are based on the medical care component of the Consumer Prices Index (CPI) published by the U.S. Department of Labor.
These annual adjustments are effective on the annual renewal date.
  Copays -  are flat fees you pay at the time you receive a service.
  Deductible -  the amount you pay for health care services each year before the health plan begins to pay for covered medical services.
  Embedded vs. non-embedded deductibles -  Example: $1000/$2000 Embedded means the deductible is $1000 per person, $2000 per family.
Non-embedded means the $2000 deductible must be met per family before BCBSM pays anything."
  Formulary -  the list of generic and brand-name drugs covered by your health plan.
  Health Savings Account (HSA) -  money you set aside in a tax-deductible savings account to help you pay for health care services.
like a savings or checking account from a bank.
  Lifetime Maximum -  the maximum amount a health plan agrees to pay on your behalf for covered services over your lifetime
  maximum amount payable (MAP) -  is the maximum amount Delta Dental will pay for a given procedure.
If you receive care from a non-network dentist who charges more than the MAP, you’ll be responsible for the additional amount.
Delta Dental network dentists agree not to charge more than the MAP.
  Monthly Rate -  the amount you pay each month for your health plan.
  out-of-pocket maximum -  the most you will pay in deductible and coinsurance in a year.
  preventive care -  wellness visits including physicals, immunizations and cancer screenings.
  PrimeMail -  is from Prime Therapeutics, an independent company that provides pharmacy benefit management services.
  retail health clinics -  clinics often located in major retail stores and pharmacies that offer convenient and affordable treatment for many common illnesses.