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IMPORTANT: If you do not elect your benefits during the annual Open Enrollment period or within 31 days of your date of hire, you will not have Roper St. Francis Healthcare health plan coverage until the next year unless you have a qualified life event as defined by the IRS.
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Learn the Terms
- Alliance Prime/Alliance Flex/Alliance Out-of-Area: the amount you must pay before your plan begins to cover costs unless there is a co-pay.
- Alliance Save: the amount you must pay before the plan begins to cover any costs.
Co-pay: A set fee that you pay toward the cost of certain covered medical expenses. (Co-payments do apply to the out-of-pocket annual maximum but not to the annual deductible.)
Co-insurance: The percentage you pay for certain services after your deductible has been met.
Out-of-Pocket Annual Maximum: The maximum amount you should pay in deductible and coinsurance in a plan year. Once this amount has been met, the plan will cover all remaining eligible costs for the rest of the plan year.