Small Group Plan Designs

HMO
Page 1
click here for page 2 (more BC HMO plan options

Description of Benefits

Small Group HMO Plan Options
300 3000SX 3001SX 3002SX 3502SX

Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited

Calendar year Deductible
(per member-max 3 members)
 In-Network $0 $0 $500 $1,000 $1000

Coinsurance  In-Network 100% 100% 100% 100% 80%

Out-of-Pocket Maximum for Calendar Year - Includes Deductible
(per member-max 3 members)
 In-Network $0 $0 $500 $1,000 $2,000

Physicians Office Visit PCP/Specialist
(includes x-ray and lab work done and billed by Drs. office)
 In-Network $15/$20 $25/$25 $25/$25 $40/$40 $25/$25

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

Outpatient Surgery Facility includes x-ray and lab
(Plan pays after deductible)
 In-Network $100 $100 $100 $100 80%

Physician Outpatient Services (surgeon, radiologist, anesthesiologist, etc)
(Plan pays after deductible)
 In-Network 100% 100% 100% 100% 80%

Maternity
(physician fee only)
 In-Network
(1st visit only)
$20 $25 $25 $40 $100

Inpatient Hospital
(Plan pays after deductible)
 In-Network 100% 100% 100% 100% 80%

Physician Inpatient Services (surgeon, radiologist, anesthesiologist, etc)
(Plan pays after deductible)
 In-Network 100% 100% 100% 100% 80%

Physical and Occupational Therapy
20 visits allowed per year
 In-Network $20 $25 $25 $40 $25

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

Inpatient Behavioral Health/Substance Abuse
30 Day calendar year max
(Plan pays after deductible)
 In-Network 100% 100% 100% 100% 80%

Outpatient Behavioral Health/Substance Abuse
20 Visit calendar year max
 In-Network $25  $25  $25  $40  $25

Emergency Room Copay
(waived if admitted)

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

Prescription Drug
Copays

Prescription deductible per member (calendar yr)


$0

$0

$0

$0
 $0

Generic/Formulary

$10 $20 $20 $20  $15

Brand/Formulary

$20 $35 $35 $35  $30

Non-Formulary

Not Covered $60 $60 $60  $60

Mail Order

$40 $60 $60 $60  $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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