Welcome to Alliant Health Plans!

Important Terms

Copayment

Your cost of the service being received. Copayments count toward the out-of-pocket maximum but not towards the deductible. Copayments are included in most of our plans.

Deductible

The amount you pay before any Alliant payment is applied. Deductibles are paid first, and then coinsurance is applied. There is a maximum dollar amount you would have to pay in any given calendar year.

Coinsurance

The portion where we share the covered costs with you. This amount is expressed as a percentage and is applied after the deductible is met (For example, Alliant pays 80% and you pay 20%).

Out-of-Pocket Maximum

The maximum amount of money you will pay out-of-pocket during a calendar year. It may include deductibles, copayments and coinsurance but is in addition to your
regular monthly premium. After you reach your out-of-pocket maximum, you would pay nothing for additional covered In-network medical expenses for the rest of the calendar year.

Premium

The total amount you pay to obtain and keep your health insurance active.

In-Network Provider

A Physician, Skilled Nursing Facility, Hospice, Home Health Care Agency, other medical practitioner or provider of medical services and supplies, who is in the managed network for this specific plan or other closely managed specialty network, or who has a participation contract with Us.

Out-of-Network Provider

A Hospital, Physician, Skilled Nursing Facility, Hospice, Home Health Care Agency, other medical practitioner or provider of medical services and supplies, that does not have an In- Network Provider contract with Alliant.