The Effective Medical Benefit is your Medical Benefit account balance after factoring in Medical provider Discounts & CHC reimbursements.  In other words, your Medical Benefit is actually greater than the stated amount because of the Medical Provider Discounts and CHC reimbursements you receive.  Take a look at this Example and read the Explanation for clarification. Example:   >  Your Medical Services Retail Cost:   $2,500 >  Your Medical Provider CHC Discount (20%):   $500 >   Your Medical Services Billed Cost:  $2,000 >  Your Shared Responsibility Co-Pay (50%):    $1,000 >  Your CHC Medical Reimbursement (50% of Billed Cost):   $1,000 >  Your Total Savings (Discount + CHC Reimbursement):  $1,500 >  Your CHC Medical Benefit Amount:  $2,500 >  Your Medical Benefit Reduction (Your Reimbursement):  $1,000 >  Your Medical Benefit Account Balance:  $1,500 Explanation:  Your Effective Medical Benefit amount is your Medical Benefit times the Medical Benefit Multiplier.  As you can see, you only paid $1,000 and only $1,000 was deducted from your Medical Benefit amount.  Your Medical Service cost was only $1,000.  Yet, you received $2,500 of Medical Services.  This means for each $1,000 you get $2,500 in Medical Services; 2.5 ($2,500 / $1,000).  The 2.5 is called your Medical Benefit Multiplier. This also means your Medical Benefit is effectively 2.5 times greater;  $6,500 ($2,500 Times 2.5 = $6,500) Using this calculation, and assuming the same Discounts & Reimbursements, you could receive about $6,500 in Medical Services.