Kelly Insurance Services

An Out-of-Network Copayment is a fixed amount (for example, $30) you pay for covered health care services from providers who don't contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

Health Insurance 101: Getting “Preauthorized” means a decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment is medically necessary.