| Plan Feature | In-Network |
|---|---|
| Deductible Maximum 2 per family, per calendar year | $1,500 single / $3,000 family $2,500 single / $5,000 family $5,000 single / $10,000 family $7,500 single / $15,000 family $10,000 single / $20,000 family |
| Coinsurance Choices The level of coverage provided by the plan after the calendar year Deductible has been satisfied. | You pay 0% |
| Coinsurance Out-of-Pocket Maximum In network per calendar year, after deductible. | $0 |
| Lifetime Maximum Benefit | Unlimited |
| Initial Rate Guarantee | 12 Months |
| Physicians (illness and injury) | |
| Office Visits Primary Care or Specialist | No charge after deductible |
| Wellness/Preventive Care Benefits From age 16. Covers services associated with both an annual physical exam and an annual gynecological exam. Includes immunizations and routine diagnostic tests received or ordered on the same day as part of the exam when covered services are received in provider’s office. | Covered at 100%, not subject to deductible |
| Wellness/Preventive Child Care | Covered at 100%, not subject to deductible |
| Doctor Office Visit Adult or child, in-network only. | No charge after deductible |
| X-Ray and Lab In conjunction with the preventive office visit, performed in doctor’s office or network facility. | No charge after deductible |
| Child Immunizations Ages 0-18. | Covered at 100%, not subject to deductible |
| Preventive Mammorgram, Pap Smear, PSA screening No waiting period. | Covered at 100%, not subject to deductible |
| Outpatient Expense Benefits | |
| X-Ray and Lab Performed in doctor’s office or a network facility. | No charge after deductible |
| Facility/Hospital for Outpatient Surgery | No charge after deductible |
| Surgeon, Assistant Surgeon, and Facility Fees | No charge after deductible |
| Hemodialysis, Radiation, Chemotherapy, Organ Transplant Drugs, and CAT Scans, MRIs | No charge after deductible |
| Emergency Room Fees – Illness | You pay $100 copay if not admitted, then no charge after deductible |
| Emergency Room Fees – Injury | No charge after deductible |
| Spine and Back Disorders CAT scan and MRI tests not subject to this limitation. | No charge after deductible (Limited benefit) |
| Mental and Nervous Disorders Including substance abuse. | No charge after deductible (Limited benefit) |
| Other Outpatient Expenses | No charge after deductible |
| Inpatient Expense Benefits | |
| Room and Board, Intensive Care Unit, Operating Room, Recovery Room, Prescription Drugs, Physician Visit, and Professional Fees of Doctors, Surgeons, and Nurses | No charge after deductible |
| Other Inpatient Services | No charge after deductible |
| Prescription Drug Benefit | You Pay |
|---|---|
| Preferred Price Card You pay for prescriptions at the point of sale at the lowest discounted price available, and submit a claim to UnitedHealthcare/Golden Rule. Or Discount Card You may obtain Rx drugs at an average savings of 20-25%. Discounts vary by pharmacy, geographic area, and drug. | Preferred price card, no charge after deductible (Copay Card plan enhancement available) |
| Annual Maximum Covered expense, per person per calendar year. | $3,000 |
READ YOUR POLICY CAREFULLY; This outline of coverage provides a brief description of the important features of the Policy. This is not the insurance contract, and only the actual Policy provisions will control. The Policy itself sets forth in detail the rights and obligations of both you and your insurance company. It is, therefore, important that you READ YOUR POLICY CAREFULLY!
