Deductible

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

$15000.0

Deductible Type

Short Term plans have a per-term (number of coverage months you select) or per-cause (separate for each illness or injury) deductible.

Per Term

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.

100/0

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.

0.00

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 Choice

Doctor Office Visit, History and Exam only (no primary care physician/specialist referral required)

You pay no charge after deductible

Preventive Care Benefits Mammogram, Pap Smear, PSA Screening (performed in the doctor office or a network facility)

You pay no charge after deductible

Room and Board, Intensive Care Unit, Operating Room, Recovery Room, Prescription Drugs, Physician Visit, & Professional Fees of Doctors, Surgeons, Nurses

You pay no charge after deductible

Deductible

Per person, max of 2 per family

Plan Coverage

up to 12 months minus 1 day

Underwriter

Golden Rule Insurance Company

Lifetime Maximum

$2 million per person, per term

Outpatient Prescription Drugs

Tier 1 you pay: $25 copay - no deductible Tiers 2-4 you pay no charge after deductible

Urgent Care

You pay: $50 copay - no deductible

Emergency Room Fees - Illness

You pay no charge after plan deductible (If not admitted, you pay additional $500 deductible)

Emergency Room Fees - Injury

You pay no charge after plan deductible (If not admitted, you pay additional $500 deductible)

Virtual Visits

Supplemental Accident Benefit

$10,000

$15,000

$2,500

$5,000

$7,500