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What else is different?
With value-based benefits, we waive the deductible on expensive colorectal cancer screenings and on medications proven to help employees stop smoking. Unlike our other products, Value Based Open Option plans have a deductible in front of lab, x-ray and emergency services.
| Value Based Open Option | Open Option | |
|---|---|---|
| In-plan | In-plan | |
| Deductible waived on open option plans only | ||
| X-ray and lab services | 30% | 30% |
| Emergency services | $125 | $125 |
| Deductible waived on value-based plans only | ||
| Colorectal cancer screening (sigmoidoscopy, colonoscopy) | $10 | 30% |
| Smoking deterrent medications (limited to $500 per lifetime) |
$10* | Not covered* |
| Calendar-year common deductible (individual/family) | $250/$750 | $250/$750 |
| Out-of-pocket maximum (not including deductible) | $3,000/$9,000 | $2,000/$6,000 |
*Tobacco cessation program discounts available.
The comparison above is drawn from two Oregon large group plans: VBOP $10/$20/30%/40%/$3000 $250CD and OP $20/30%/40%/$2000 $250CD. See summary of benefits and member handbook for full details.
