Saver 80 – Overview
Our Rating: 
The Saver 80 Plan is designed to cover the big ticket items such as hospitalization, surgery, emergency room and expensive diagnostic tests like MRIs and CT Scans. By having an insurance plan that covers larger expenses while you pay for smaller day to day expenses, you can save a lot of money in your monthly premium. If you are generally in good health and would like a plan to cover you in case of an emergency, this is a good plan option to consider.
It does not cover smaller medical costs such as non preventive office visits and prescription drugs, but it includes a prescription drug discount card that reduces prescription costs from 24% – 60%.
Saver 80 Plan highlights include:
- Discount Rx card included
- Coverage for Inpatient and Outpatient Medical Expenses –
you pay 20% after you meet calendar year deductible - Low premium rates
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Saver 80 – Benefit Summary
Our Rating: 
| Plan Feature | In-Network |
|---|---|
| Deductible Maximum 2 per family, per calendar year | $1,000 single / $2,000 family $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 $12,500 single / $25,000 family |
| Coinsurance Choices The level of coverage provided by the plan after the calendar year Deductible has been satisfied. | You pay 20% |
| Coinsurance Out-of-Pocket Maximum In-network, per person, per calendar year, after deductible. | $3,000 |
| Lifetime Maximum Benefit | Unlimited |
| Physicians (illness and injury) | |
| Office Visits Primary Care or Specialist | Not covered |
| Wellness Care 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. | 100% (deductible waived) |
| Well-Child Care To age 16. Includes immunizations, physical exams and routine diagnostic tests. | 100% (deductible waived) |
| Doctor Office Visit Adult or child, in-network only. | Not covered |
| Preventive Mammorgram, Pap Smear, PSA screening No waiting period. | 100% (deductible waived) |
| Outpatient Expense Benefits | |
| X-Ray and Lab Must be performed within 14 days of surgery or confinement | You pay 20% after deductible |
| Facility/Hospital for Outpatient Surgery Surgery in doctor’s office not covered | You pay 20% after deductible |
| Surgeon, Assistant Surgeon, and Facility Fees | You pay 20% after deductible |
| Hemodialysis, Radiation, Chemotherapy, Organ Transplant Drugs, and CAT Scans, MRIs | You pay 20% after deductible |
| Emergency Room Fees – Illness | You pay $500 copay if not admitted, then 20% after deductible |
| Emergency Room Fees – Injury | You pay $500 copay if not admitted, then 20% after deductible |
| Spine and Back Disorders CAT scan and MRI tests not subject to this limitation. | Not covered |
| Mental and Nervous Disorders Including substance abuse. | Not covered |
| Other Outpatient Expenses | Not covered |
| 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 | You pay 20% after deductible |
| Other Inpatient Services | You pay 20% after deductible |
| Prescription Drug Benefit | You Pay |
|---|---|
| Discount Card You may obtain Rx drugs at an average savings of 20-25%. Discounts vary by pharmacy, geographic area, and drug. | Discount card included, but prescriptions not covered under plan |
| Annual Maximum Covered expense, per person per calendar year. | Not applicable |
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!
