自己顶一下。

谢谢这么多人回复。

我刚刚到这边不到一个月，很多事情不明白的。

I think you MUST ask that from your HR or plan provider. Different plan can be very differnt.

In additinal, usually, they will have "within network provider", and "out side provider", which you co-pay may be different. Also, the deductible may be different.