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Private Health Insurance Plans

Access exclusive group-buying rates through Elevate Wellness — quality Cigna PPO coverage available in all 50 states.

★ Cigna PPO Network  |  All 50 States  |  ACA Compliant  |  Enrollment by 20th of prior month

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PW Ultra Series — Powered by Cigna PPO

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Benefit ULTRA
1000
Lower Deductible
ULTRA
3000
Most Popular Best Value
ULTRA
6000
Lower Premium
In-Network Benefits
Deductible (Ind / Family) $1,000 / $2,000 $3,000 / $6,000 $6,000 / $12,000
Max Out-of-Pocket (Ind / Family) $5,000 / $10,000 $9,450 / $18,900 $9,450 / $18,900
Coinsurance 80% 70% 70%
Office Visits
Primary Care $20 copay $30 copay $30 copay
Specialist $40 copay $60 copay $60 copay
Urgent Care $40 copay $60 copay $60 copay
Preventive Care Covered 100% Covered 100% Covered 100%
Diagnostics & Imaging
Diagnostic Tests / X-Rays No charge after deductible
In-network freestanding X-rays 100% covered
$30 copay/visit $30 copay/visit
CT, PET, MRI 20% after deductible
Precertification required
30% after deductible
Precertification required
30% after deductible
Precertification required
Hospital & Emergency
Hospitalization 20% after deductible
Precert required; 50% reduction if not obtained (max $2,500)
30% after deductible
Precert required; 50% reduction if not obtained (max $10,000)
30% after deductible
Precert required; 50% reduction if not obtained (max $10,000)
Emergency Room 20% after deductible 30% after deductible 30% after deductible
Emergency Medical Transport 20% after deductible 30% after deductible 30% after deductible
Maternity 20% after deductible 30% after deductible 30% after deductible
Mental Health
Mental Health Outpatient $20 copay/visit $30 copay/visit $30 copay/visit
Mental Health Inpatient 20% after deductible
Precert required; max $500 reduction
30% after deductible
Precert required; max $500 reduction
30% after deductible
Precert required; max $500 reduction
Rehab, Home & Skilled Care
Rehab / Habilitative Services $20 copay/visit
20 visits combined OT/PT/Speech; 20 cardiac rehab; 15 chiro per year
$60 copay/visit
Same visit limits apply
$60 copay/visit
Same visit limits apply
Home Health Care 20% after deductible 30% after deductible 30% after deductible
Skilled Nursing 20% after deductible
Up to 90 days/year
30% after deductible
Up to 60 days/year
30% after deductible
Up to 60 days/year
Durable Medical Equipment 20% after deductible 30% after deductible 30% after deductible
Hospice Services 20% after deductible 30% after deductible 30% after deductible
Prescription Drugs (In-Network)
Generic $15 $15 $15
Brand Name $45 $65 $65
Non-Preferred Brand $85 $100 $100
Specialty Through MyRX
PAP application required
Not Covered Not Covered
31–90 Day Supply Generic $45  |  Brand $90  |  Non-Preferred Brand $150  —  Retail & Mail Order
Out-of-Network Benefits
Deductible (Ind / Family) $2,000 / $4,000 $6,000 / $12,000 $12,000 / $24,000
Max Out-of-Pocket (Ind / Family) $10,000 / $20,000 $18,950 / $37,900 $18,900 / $37,900
Coinsurance 60% 40% 40%
Reimbursement Basis Plans Allowable Fee
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