In-network benefits

When you go to a doctor or hospital that accepts this plan, that's called getting your care in-network.

Because this plan is a PPO, it'll share the cost for some services if you go to a doctor or hospital that doesn't take this plan. That's called getting your care out-of-network. Those benefits are listed on a separate table below.

Your in-network deductible

When you get care, as soon as your medical and pharmacy bills reach your deductible, your plan will start sharing the cost. This plan's deductible is:

  • $750 for an individual
  • $1,500 for a family (two or more members)
What we call it What it is When you pay What you pay
Preventive care Exams, prescriptions, tests and shots you get when you're well to prevent illness and injury Anytime
$0
Pediatric services
Children can get pediatric benefits until the end of the calendar year in which they turn 19.
Checkups children get when they're well Anytime
$0
Ambulatory services Office visit to your primary care doctor Anytime
$20
Office visit to a specialist Before deductible
First four visits:
$50 each
After that: All costs
After deductible
$50
Laboratory and diagnostic services

Includes:

  • Lab tests
  • Radiology services like X-rays, EKGs and ultrasounds
  • Allergy testing and shots
  • Imaging services like MRIs
Before deductible All costs
After deductible 20%
What we call it
What it is
When you pay
What you pay
Maternity and newborn care

Doctor office visits while pregnant

  • Tests and ultrasounds you get during the visit are billed under laboratory services
Anytime $0
Care you get when you deliver your baby in the hospital Before deductible
All costs
After deductible
20%
Emergency services
Emergency room visit
Before deductible
All costs
After deductible
$250 + 20%
Transportation by ambulance Before deductible All costs
After deductible 20%
Urgent care center visit
Before deductible
All costs
After deductible $75 + 20%
Hospitalization and other services
Care you get when you’re in the hospital for at least one night Before deductible
All costs
After deductible 20%
Hospice care
Before deductible All costs
After deductible $0
Most other services, like inpatient and outpatient surgery, chemotherapy, home health care and sleep studies Before deductible All costs
After deductible 20%
What we call it What it is When you pay What you pay

Rehabilitative and habilitative services and devices


Services that help you recover from or manage an injury or illness, like:
  • Physical and occupational therapy
  • Spinal manipulation from a chiropractor
  • Speech therapy
  • Diabetes supplies
Before deductible All costs
After deductible 20%
Durable medical equipment, like a wheelchair, walker or oxygen tank Before deductible All costs
After deductible 50%
Mental health/substance abuse Care you get at a mental health or substance abuse facility as an inpatient
Before deductible All costs
After deductible 20%
Office visit to an outpatient mental health or substance abuse facility
Before deductible All costs
After deductible 20%

Out-of-network benefits

What you'll pay if you go to a doctor or hospital that doesn't accept this plan.

Your out-of-network deductible

When your bills from doctors, pharmacies and hospitals that don't take this plan reach your out-of-network deductible, your plan will start sharing the cost. This plan's deductible is:

  • $1,500 for an individual
  • $3,000 for a family (two or more members)
What we call it What it is When you pay What you pay
Preventive care Exams, prescriptions, tests and shots you get when you're well to prevent illness and injury. Anytime
All costs
Pediatric services Checkups children age 18 and younger get when they're well. Anytime
All costs
Ambulatory services Office visit to your primary care doctor Anytime
All costs
Office visit to a specialist
Anytime All costs
Laboratory and diagnostic services

Includes:

  • Lab tests
  • Radiology services like X-rays, EKGs and ultrasounds
  • Imaging services like MRIs
Before deductible All costs
After deductible 40%
Allergy testing and shots Anytime All costs
What we call it
What it is
When you pay
What you pay
Maternity and newborn care

Doctor office visit while pregnant

  • Tests you get during the visit are billed under laboratory services
Before deductible
All costs
After deductible 40%
Care you get when you deliver your baby in the hospital Before deductible
All costs
After deductible
40%
Emergency services
Emergency room visit
Before deductible
All costs
After in-network deductible
 $250 + 20%
Transportation by ambulance Before deductible All costs
After in-network deductible 20%
Urgent care center visit
Before deductible
All costs
After deductible $75 + 40%
Hospitalization and other services
Care you get when you’re in the hospital for at least one night Before deductible
All costs
After deductible 40%
Hospice care
Anytime All costs
Most other services, like inpatient and outpatient surgery, chemotherapy and sleep studies Before deductible All costs
After deductible 40%
What we call it What it is When you pay What you pay

Rehabilitative and habilitative services and devices


Services that help you recover from or manage an injury or illness, like:
  • Physical and occupational therapy
  • Spinal manipulation from a chiropractor
  • Speech therapy
  • Diabetes supplies
Before deductible All costs
After deductible 40%
Durable medical equipment, like a wheelchair, walker or oxygen tank Before deductible All costs
After deductible 70%
Mental health/substance abuse Mental health care you get as an inpatient in a hospital or residential facility, or as an outpatient Before deductible All costs
After deductible 40%
Treatment you get for substance abuse as an inpatient or outpatient in a hospital or residential facility Anytime All costs