Considering a Flu Shot?

It’s that time of year again – cold and flu season.  To protect yourself and others, The Center for Disease Control and Prevention (CDC) recommends the following:
  • Wash your hands often with soap and water
  • Avoid touching your eyes, nose and mouth with unwashed hands
  • Stay away from people who are sick

You should also consider getting a flu shot.  The CDC recommends that everyone over 6 months of age get a flu vaccine every season. However, there are rare exceptions especially those who are allergic to eggs or any of the ingredients in the vaccine or have ever had Guillain-Barre Syndrome (GBS).  If you are not feeling well or have questions about the vaccine, please consult with your primary care physician before receiving the vaccine.

Most of our health plans cover the costs of the flu vaccine if administered through an in-network doctor or pharmacy. Log in to your account to review your plan details or call the member services number on the back of your ID card if you have any questions.



The percentage of the bill you pay after your deductible has been met.


A fixed amount you pay when you get a covered health service.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider. 


The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.


Includes behavioral health treatment, counseling, and psychotherapy

in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)


Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.


If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.


The amount you pay to your health insurance company each month. 

Preventive services

Health care services that focus on the prevention of disease and health maintenance.


Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).


A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.