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|
| BENEFIT |
IN-NETWORK |
OUT-OF-NETWORK |
Annual Deductible (Combined for medical benefits & prescription drugs) |
Single member :$3,500 Families: $7,000 aggregate |
| Lifetime Maximum |
$5,000,000 per member |
Annual Out-of-Pocket Max. (Combined for medical benefits & prescription drugs) |
Single member: $5,000 Families: $10,000 aggregate |
| Doctors' Office Visits |
$0 after deductible |
50% of negotiated fee plus all excess charges (after deductible) |
Professional Services (X-ray, lab, anesthesia, surgeon, etc.) |
$0 after deductible |
50% of negotiated fee plus all excess charges (after deductible) |
Hospital Inpatient (Overnight Hospital Stays) |
$0 after deductible |
All Charges except $650 per day (after deductible) |
Hospital Inpatient (If You Don't Stay Overnight) |
$0 after deductible |
All Charges except $380 per day (after deductible) |
| Emergency Room Services |
$0 after deductible |
All charges in excess of customary and reasonable fees (after deductible) |
| Maternity |
Not Covered |
| Preventive Care |
Routine mmammogram, Pap and PSA tests: $0 after deductible
Well Baby & Well Child (through age 6): $0 after deductible
HealthyCheckSM Centers: $25/$75 copay for basic/premium screening (deductible waived) |
Routine mammogram, Pap and PSA tests: 50% of negotiated fee plus all excess charges (after deductible)
Well Baby & Well Child (through age 6): 50% of negotiated fee plus all excess charges (after deductible)
|
| Ambulance |
$0 after deductible |
50% of negotiated fee plus all excess charges (after deductible) |
| Physical & Occupational Therapy; Chiropractic Services |
$0 after deductible |
All charges except $25 per visit (after deductible) |
| Accupunture/Accupressure |
All charges except $25 per visit, up to 24 visits per year (after deductible) |
Prescription Drugs (Anthem Blue Cross Formulary Drugs) |
$10 copay generic; $30 copay brand-name (after annual deductible); 30% of negotiated fee for self-administered injectables, except insulin (after annual deductible) |
50% of drug limited fee schedule and all excess charges plus the copay / coinsurance as stated for in-network benefits (after annual deductible) |
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