New Health Plan for the New Year? Key Vocab to Help You Make the Most of Your Benefits

By Mai Ling Slaughter
Get the Best of your Health Care in 2024

Whether you have a new health insurance plan for the New Year or just need a refresher on some basic terminology, the CleanTech Alliance Health Trust is here to help. Get the most out of your health plan by reviewing the below key terms.


A deductible is the amount you pay each year for covered health care services before your health plan starts to pay. For example, if your plan has a $2,000 deductible, you pay the first $2,000 of covered services. After you meet the deductible, you and the plan each pay part of the cost of health care services. Your part of the cost is called either coinsurance or copayment.


A coinsurance is the percentage of covered expenses you pay after you have paid your deductible. For example, if your health plan has a 20 percent coinsurance and the cost for an office visit is $100, you pay $20, and your health plan covers the rest.


A copayment is a fixed amount you pay for each health care service. Copays can vary for different services, and they do not count toward meeting your deductible.

Out-of-pocket maximum

The out-of-pocket maximum is the most you would have to pay for covered services in a plan year. Your out-of-pocket maximum includes the amounts you spend on deductibles, coinsurance and copayments. When you reach your out-of-pocket maximum, the plan pays 100 percent for the rest of the plan year.


You will generally pay less when you receive health care services from an in-network provider.

Learn More about the CleanTech Alliance Health Trust

The CleanTech Alliance Health Trust is available to RCAW members through a partnership with the CleanTech Alliance. This exclusive program offers affordable, comprehensive employee benefits to companies based in Washington state that develop products and services in the energy, environmental, and construction and building sciences industries with as few as two enrolled employees. Plan options from trusted regional and national providers include:

  • Medical from Premera Blue Cross
  • Dental from Delta Dental of Washington
  • Vision from VSP Vision Care Inc.
  • Life, Disability and Accidental Death from Unum
  • Employee Assistance Program from Wellspring EAP
  • Identity Protection from Allstate Identity Protection

To learn more about the diverse benefits available for the new 2024 plan year, please download the RCAW-CleanTech Alliance Health Trust Flyer.

Contact Us

CleanTech Alliance Health Trust
(206) 602-3558
VP, Sales Manager, Advanced Professionals Insurance & Benefit Solutions


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