Page 28 - 2022 DPR Construction Benefit Guide_Craft Employees
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Premium
The specified amount of money you’ll pay monthly (usually
deducted from your salary each pay period) in exchange for
insurance coverage.
Reasonable and Customary Rates (R&C)
Out-of-network health plan expenses are considered for
reimbursement at reasonable and customary rates. R&C
rates are determined to be the prevailing charge made for
a service by a similar provider in the same geographic area.
Charges above R&C are not covered by the plan and are the
responsibility of the participant.
Specialist
A physician who has specialized training in a particular
branch of medicine (e.g., a surgeon, gastroenterologist
or neurologist).
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