Deductible

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

$12500.0

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.

60/40 to $25,000

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.

10000.00

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

Application Fee

$20 (one-time, non-refundable)

Office Visits (no primary care physician/specialist referrals required)

Office Visit, History, and Exam only You pay: 40% coinsurance after deductible

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

You pay: 40% coinsurance after deductible

Underwriter

Golden Rule Insurance Company

Lifetime Maximum

$250,000 per covered person

Prescription Drugs

Not covered. Discount Card - Average savings of 20-25%. Discounts vary by pharmacy, geographic area and drug.

X-ray and Lab

You pay: 40% coinsurance after deductible

Emergency Room Fees - Illness

You pay: $250 copay, then 40% coinsurance after deductible

Emergency Room Fees - Injury

You pay: $250 copay, then 40% coinsurance after deductible

Mental and Nervous Disorders (including substance abuse)

Not covered

Supplemental Accident Benefit

$1,000

$10,000

$12,500

$2,500

$5,000