Deductible

The amount of covered expenses that the insured must pay before a plan or insurance contract starts to pay.

$50.0

Coinsurance

Most policies require the insured to pay some portion of the health care bills. A typical arrangement is that the insurer pays 80 percent and the insured 20 percent, up to $3,000 of covered expenses after the insured has paid the deductible. After the insured hits the maximum out-of-pocket limit, the insurance company pays 100 percent of covered expenses during the remainder of the calendar year, up to any applicable annual benefit or lifetime maximum of the policy.

None

Coinsurance Out-of-Pocket Maximum

The limit on the amount an individual is required to pay for health care services covered by his or her benefits plan after the deductibles and any copays are paid. Refers to care received from the network of participating physicians, hospitals, and health care professionals. Coinsurance Out-of-Pocket amounts are in addition to any Deductible amounts.

0.0

Network

A group of doctors, hospitals and other health care providers and facilities that have, either, (i) contracted with a health insurer or health plan to provide medical services at negotiated or discounted rates, or (ii) for limited benefits supplemental coverage, contracted directly or indirectly with an underwriter to agree to reduced fees for medical services.

UnitedHealthcare Dental

Major Services (see Plan Benefits for details)

Not covered

Waiting Period

N/A

Orthodontics

Not covered

Basic Services (see Plan Benefits for details)

Policy pays 50% day one 65% after policy year one 80% after policy year two

Waiting Period

No waiting period

Annual Maximum (per calendar year)

We pay up to: $1,000 per person, per calendar year

Underwriter

Golden Rule Insurance Company

Basic Services Deductible (maximum 3 individual deductibles per family, per calendar year)

You pay: $50 per person

Major Services Deductible (maximum 3 individual deductibles per family, per calendar year)

N/A

Hearing Benefit

N/A

Preventive Care (deductible does not apply)

Policy pays 100% day one

Waiting Period

No waiting period

Vision Benefit