Individual & Family Plan Features

Optimum Plans offer you the most comprehensive coverage. You receive women's and men's preventive care services, personal physician/provider office visits and specialist visits for $20 copay, before meeting the deductible. That means you don't have to pay your deductible before you get medical advice that can keep you well. If you choose to see a non-participating provider, you'll pay 40 percent coinsurance. There are five Optimum Plans with several deductible amounts to choose from.

Value Plans offer similar coverage as Optimumm Plans with women's and men's preventive care services and personal physician/provider office visits for $20 copay, before deductible. However, the deductible is not waived for specialist office visits. After deductible, specialist visits are 30 percent coinsurance for participating or 50 percent coinsurance for nonparticipating specialist office visits. There are five Value Plans with several deductible amounts to choose from.

• An accidental injury benefit for all covered services, before meeting deductible.
• Hospital, surgery, X-ray, laboratory services from participating providers and health care facilities.
• Emergency care (In-Plan and Out-of-Plan) for a $125 copayment, after meeting deductible.
• Out-of-Plan benefit. See non-participating providers for covered services and pay a coinsurance amount.
• Prescription drugs through participating pharamcies for generic and brand-name drugs. Deductible does not apply.
• Travel Benefits and Nationwide coverage through our national network of participating providers.

Our HSA Plans work together with a Health Savings Account and provide comprehensive coverage with a low monthly premium, while you set aside taxdeductible, 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.

• Preventive care (In-Plan), before meeting deductible.
• Annual gynecological exams and mammograms (In-Plan), before meeting deductible.
• Personal physician/provider office visits (In-Plan) for $20 copayment, after meeting deductible.
• Specialist office visits, hospital, surgery, X-ray, laboratory (In-Plan) for 20 percent coinsurance, after meeting deductible.
• Emergency care (In-Plan and Out-of-Plan) for $125 copay, after meeting deductible.
• Urgent care and ambulance services for 20 percent coinsurance, after meeting deductible.
• Chiropractor office visits (In-Plan) for $20 copay, after meeting deductible.
• Out-of-Plan benefit. See non-participating providers for 40 percent coinsurance, after meeting deductible.
• Prescription drugs through participating pharmacies for generic and brand-name drugs, after meeting deductible.
• Travel Benefits and Nationwide coverage through our national network of participating providers.