|
|
| BENEFIT |
IN-NETWORK |
OUT-OF-NETWORK |
| Annual Deductible |
$5,000 Per member, inpatient or surgical procedures only (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 |
$7,500 per member, only hospital costs apply (Once 2 members each reach the maximum, the maximum is satisfied for the entire family) |
| Doctors' Office Visits |
No office visit benefit until out-of-pocket maximum is met, then you pay $0 of negotiated fee |
No office visit benefit until out-of-pocket maximum is met, then you pay 50% of negotiated fee plus all excess charges |
Professional Services (X-ray, lab, anesthesia, surgeon, etc.) |
30% of negotiated fee for inpatient or surgical procedures only. No office visit benefits until out-of-pocket maximum is met, then you pay $0 of negotiated fee |
50% of negotiated fee, plus all excess charges for covered inpatient or surgical procedures only |
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 |
Not Covered |
| Preventive Care |
Routine mmammogram, Pap and PSA tests: 30% of negotiated fee (deductible waived)
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 (deductible waived)
|
| Ambulance |
30% of negotiated fee |
50% of negotiated fee plus all charges in excess of negotiated fee and in excess of the plan's $750 maximum payment per ground trip |
| Physical & Occupational Therapy; Chiropractic Services |
Not Covered unless during inpatient admission |
| Accupunture/Accupressure |
Not Covered |
Generic Prescription Drugs (No deductible) |
$10 copay generic (Drugs on Generic Rx Formulary only) |
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