Optimum Plans offer you the most comprehensive coverage. You receive women's and men's preventive care services, doctor office visits and specialist visits for $20 copay in-plan, before meeting the deductible. Optimum Plans feature:

• $20 copay for doctor and specialists visits
• Certain preventive care services covered in full
• $20 copay for urgent care visits
• $10 generic drugs and brand name drugs covered at 50 percent
• Out-of-plan benefit. See non-participating providers and pay a coinsurance amount
• Routine vision services
• Deductible waived on all doctor office visits, urgent care, prescription drugs, and most preventive care services
• Low out-of-pocket maximum: $4,000 individual or $12,000 family
• Deductible waived for all covered services within 90 days of an accidental injury
• Hospital, surgery, X-ray and laboratory services
• A national network of participating providers

Value Plans offer similar coverage as Optimum Plans but with slight higher out-of-pocket costs. Value Plans feature:

• $30 copay for most doctor office visits
• Certain preventive care services covered in full
• $30 copay for urgent care visits
• Prescription drugs covered at 50 percent
• Out-of-plan benefit. See non-participating providers and pay a 50 percent coinsurance amount
• Routine vision services
• Deductible waived on most doctor office visits, urgent care and prescription drugs
• Deductible waived on all covered services within 90 days of an accidental injury
• Hospital, surgery, X-ray and laboratory services
• A national network of participating providers

Our Prime plan is designed to offer basic health insurance coverage for a lower premium. Benefits for covered services are provided at a 50 percent coinsurance from participating providers only. The Prime Plan includes:

• 50 percent coinsurance for all covered services.
• Certain preventive care services covered in full.
• Receive covered services from an in-plan participating provider only. (Out-of-plan providers not covered.)
• Deductible waived on most doctor office visits, urgent care and prescription drugs
• Deductible waived on all covered services within 90 days of an accidental injury
• Hospital, surgery, X-ray and laboratory services for 50 percent coinsurance.

Our HSA Plans work together with a Health Savings Account and provide comprehensive coverage with a low monthly premium, while you set aside tax deductible, interest-earning funds in a health savings account (HSA) to help cover your deductible and other qualified medical expenses. By rolling over unused funds from year to year, you also enjoy tax-sheltered investment and retirement planning options. Our HSA plans include:

• Certain preventive care services covered in full
• Prescription drugs covered at 50 percent
• Out-of-plan benefit. See non-participating providers and pay a coinsurance amount
• Routine vision services
• Deductible waived on most preventive care services
• Hospital, surgery, X-ray and laboratory services
• A national network of participating providers