Small Group Plan Designs

OPEN ACCESS HMO
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Description of Benefits

Group HMO Open Access Plan Options
3501AX 3503AX 3802AX 3801AX

Lifetime Maximum Unlimited Unlimited Unlimited Unlimited

Calendar year Deductible
(per member-max 3 members)
 In-Network $1,000 $2,000 $3,000 $2,000

Coinsurance  In-Network 80% 80% 70% 70%

Out-of-Pocket Maximum for Calendar Year - Includes Deductible
(per member-max 3 members)
 In-Network $2,000 $2,000 $3,000 $2,000

Physicians Office Visit PCP/Specialist
(includes x-ray and lab work done and billed by Drs. office)
 In-Network $40/$50 $25/$35 $25/$35 $40/$50

Outpatient Diagnostic X-ray/Lab
(Plan pays after deductible)
 In-Network 100% 80% 70% 70%

Outpatient Surgery Facility includes x-ray and lab
(Plan pays after deductible)
 In-Network $500copay; 80% 80% 70% $1000copay; 70%

Physician Outpatient Services (surgeon, radiologist, anesthesiologist, etc)
(Plan pays after deductible)
 In-Network 80% 80% 70% 70%

Maternity
(physician fee only)
 In-Network
(1st visit only)
$500 $100 $150 $1,000

Inpatient Hospital
(Plan pays after deductible)
 In-Network $500 copay per admission; 80% 80% 70% $1,000copay per admission; 70%

Physician Inpatient Services (surgeon, radiologist, anesthesiologist, etc)
(Plan pays after deductible)
 In-Network 80% 80% 70% 70%

Physical and Occupational Therapy
20 visits allowed per year
 In-Network $50 $35 $35 $50

Chiropractic Care
20 visits allowed per year
 In-Network $15 $15 $15 $15

Inpatient Behavioral Health/Substance Abuse
30 Day calendar year max
(Plan pays after deductible)
 In-Network $500 copay per admission; 80% 80% 70% $1,000copay per admission; 70%

Outpatient Behavioral Health/Substance Abuse
20 Visit calendar year max
 In-Network

$50 

$35 

$35 

$50 

Emergency Room Copay
(waived if admitted)

In or Out
of Network
$150 $100 $150 $150

Prescription Drug
Copays

Prescription deductible per member (calendar yr)


$0

$0

$0

$250

Generic/Formulary

$20 $15 $15 $20

Brand/Formulary

$35 $30 $30 $35

Non-Formulary

$60 $60 $60 NOT COVERED

Mail Order

$60 $30/$60 $30/$60 $30/$60

 Note: Plan benefits listed above are intended as a summary only and do not replace benefits listed in certificate of coverage. Some specific benefits may have limitations and/or exclusions. Refer to your policy for more detail.

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