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| BENEFIT |
Individual HMO In-Network |
| Annual Deductible |
$0 |
| Lifetime Maximum |
Unlimited |
| Annual Out-of-Pocket Max. |
$3,000 per member: Once two members each reach the maximum, the maximum is satisfied for the entire family |
| Doctors' Office Visits |
$10 copay per visit |
Professional Services (X-ray, lab, anesthesia, surgeon, etc.) |
No charge for office visit-related services |
Hospital Inpatient (Overnight Hospital Stays) |
20% of negotiated fee |
Hospital Inpatient (If You Don't Stay Overnight) |
20% of negotiated fee |
| Emergency Room Services |
20% of negotiated fee |
| Maternity |
Office visits: $10 copay; Inpatient/Outpatient:20% of negotiated fee |
| Preventive Care |
$10 copay for specific health maintenance services |
| Ambulance |
$50 copay, waived if admitted to the hospital |
| Physical & Occupational Therapy; Chiropractic Services |
Outpatient: $10 copay per visit Inpatient: 20% of negotiated fee |
| Accupunture/Accupressure |
Not covered |
| Prescription Drugs (Anthem Blue Cross Formulary) |
$10 copay generic; $30 copay brand-name after $250 brand-name prescription drug deductible (2-member maximum); 30% of negotiated fee for self administered injectables, except insulin |
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