|
|
| BENEFIT |
IN-NETWORK |
OUT-OF-NETWORK |
| Annual Deductible |
$500 Per member (Once 2 members each reach the deductible, the deductible is satisfied for the entire family.) |
| Lifetime Maximum |
$5,000,000 |
Annual Out-of-Pocket Max. (includes deductible) Participating & non-participating provider covered services combined |
$5,000 per member (Once 2 members each reach the maximum, the maximum is satisfied for the entire family) |
| Doctors' Office Visits |
30% of negotiated fee (deductible waived) |
50% of negotiated fee plus excess charges (deductible waived ) |
Professional Services (X-ray, lab, anesthesia, surgeon, etc.) |
30% of negotiated fee |
50% of negotiated fee plus excess charges |
Hospital Inpatient (Overnight Hospital Stays) |
30% of negotiated fee |
All Charges except $650 per day |
Hospital Inpatient (If You Don't Stay Overnight) |
30% of negotiated fee |
All Charges except $380 per day |
| Emergency Room Services |
30% of negotiated fee |
30% of customary and reasonable fees plus excess charges |
| Maternity |
30% of negotiated fee |
50% of negotiated fee plus excess charges |
| Preventive Care |
Annual physical exam(s): 30% of negotiated fee
(deductible waived)
OR
HealthyCheckSM Centers: $25/$75 copay for basic/premium screening (deductible waived)
Routine mmammogram, Pap and PSA tests: 30% of negotiated fee (deductible waived)
Well Baby and Well Child (through age 6): 40% of negotiated fee (deductible waived) |
Annual phyical exam(s): 50% of negotiated fee plus all exess charges (deductible waived)
Routine mammogram, Pap and PSA tests: 50% of negotiated fee plus all excess charges (deductible waived)
Well Baby and Well Child (through age 6): 50% of negotieated fee plus all excess charges (deductible waived)
|
| Ambulance |
30% of negotiated fee |
50% of negotiated fee plus excess charges |
| Physical & Occupational Therapy; Chiropractic Services |
30% of negotiated fee |
All charges except $25 per visit, up to 12 visits per year |
| Accupunture/Accupressure |
All Charges except $25 per visit, up to 24 visits per year (deductible waived) |
Prescription Drugs (Anthem Blue Cross Formulary) Amounts shown are for each 30-day retail or in-network mail order supply |
$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 |
50% of drug limited fee schedule and all excess charges plus the copay/coinsurance as stated for in-network benfits; subject to the annual $250 brand-name prescription drug deductible. |
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