Individuals & Families

When finding a health plan you should consider your budget, but more importantly your health care needs. Your health care needs over the next year must be considered.

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2019 Plan Categories and Benefits

Gold Copay

Short Summary

Gold level plan offers the lowest deductible and out of pocket expenses with first dollar copays for many benefits.

Key Benefits

  • Primary Care Office Visits- $25 copay/visit ded waived
  • Specialist Office Visits- $40 copay/visit ded waived
  • Urgent Care- $65 copay/visit ded waived

Deductible

$1,500/$3,000

Out-of-Pocket Maximum

$7,000/$14,000

Silver Copay

Short Summary

Silver level plan offers a mid level deductible and out of pocket maximum with first dollar copays for many benefits.

Key Benefits

  • Primary Care Office Visits- $30 copay/visit ded waived
  • Specialist Office Visits- $70 copay/visit ded waived
  • Urgent Care- $75 copay/visit ded waived

Deductible

$4,500/$9,000

Out-of-Pocket Maximum

$7,350/$14,700

Silver Copay (Off)

Short Summary

Silver level plan offers a mid level deductible and out of pocket maximum with first dollar copays for many benefits.

Key Benefits

  • Primary Care Office Visits- $30 copay/visit ded waived
  • Specialist Office Visits- $75 copay/visit ded waived
  • Urgent Care- $75 copay/visit ded waived

Deductible

$4,000/$8,000

Out-of-Pocket Maximum

$7,900/$15,800

Bronze HSA

Short Summary

Bronze level plan offers a high deductible and out of pocket maximum, but low premium. All benefits are subject to the deductible being met first other than preventive. This plan is a qualified high deductible health plan.

Key Benefits

  • Primary Care Office Visits- 0% coinsurance after ded
  • Specialist Office Visits- 0% coinsurance after ded
  • Urgent Care- 0% coinsurance after ded

Deductible

$6,750/$13,500

Out-of-Pocket Maximum

$6,750/$13,500

Bronze 3 Copay

Short Summary

Bronze level plan offers a high deductible and out of pocket maximum, but low premium. Many benefits are subject to the deductible being met first. This plan does have 3 office visits before meeting the deductible.

Key Benefits

  • Primary Care Office Visits- $45 copay/ first 3 visits then 50% after ded
  • Specialist Office Visits- 50% coinsurance after ded
  • Urgent Care- 50% coinsurance after ded

Deductible

$6,550/$13,100

Out-of-Pocket Maximum

$7,350/$14,700

Expanded Bronze

Short Summary

Bronze level plan offers a high deductible and out of pocket maximum, but low premium. All benefits are subject to the deductible being met first other than preventive. This plan is a qualified high deductible health plan.

Key Benefits

  • Primary Care Office Visits- $45 copay
  • Specialist Office Visits- $75 copay after ded
  • Urgent Care- 50% coinsurance after ded

Deductible

$3,000/$6,000

Out-of-Pocket Maximum

$7,900/$15,800

  • Trips to the emergency room
  • Treatment in the hospital for inpatient care
  • Outpatient Care - care without being admitted to a hospital
  • Care before and after your baby is born
  • Mental health and substance use disorder services: behavioral health treatment, counseling, and psychotherapy
  • Your prescription drugs
  • Services and devices to help recover if you are injured, or have a disability or chronic condition: physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  • Your lab tests
  • Preventative services: counseling, screening, vaccines, chronic disease - no charge
  • Pediatric services
  • Call a nurse at anytime if you have any health concerns or general information questions
  • Instant care online available 7 days a week

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