| Lifetime Maximum |
In-Network
| $3,000,000/member |
Out-of-Network
| $3,000,000/member |
Annual out-of-pocket Maximum
|
In-Network
| $1,000 plus the medical deductible per Insured per policy* |
Out-of-Network
| $1,000 plus the medical deductible per Insured per policy* |
| Annual Deductible |
In-Network
| $250 per Insured per policy (waived for accidents) |
Out-of-Network
| $250 per Insured per policy (waived for accidents) |
| Office Visits |
In-Network
| 20% of Negotiated Fee Rate |
Out-of-Network
| 20% of Negotiated Fee Rate |
Professional Services
(X-ray, lab, anesthesia, surgeon, etc.) |
In-Network
| 20% of Negotiated Fee Rate |
Out-of-Network
| 20% of Negotiated Fee Rate (NFR) plus all charges in excess of NFR unless Special Circumstances apply |
| Hospital Inpatient/Outpatient |
In-Network
| 20% of Negotiated Fee Rate ** |
Out-of-Network
| Insured pays all charges except: $650/day inpatient, $380/day outpatient |
| Emergency Services |
In-Network
| 20% of Negotiated Fee Rate ** |
Out-of-Network
| Within California: Physician: 20% of Customary and Reasonable (C&R) charges or billed charges plus all charges in excess of C&R
Hospital: 20% of C&R charges or billed charges, whichever is less plus all charges in excess of C&R for the first 48 hour |
| Maternity |
In-Network
| No benefits |
Out-of-Network
| No benefits |
| Home Health Care |
In-Network
| 20% of Negotiated Fee Rate (NFR) - limited to 30 visits per policy term |
Out-of-Network
| 20% of Negotiated Fee Rate (NFR) - limited to 30 visits per policy term |
| Skilled Nursing Facilities |
In-Network
| No Benefits |
Out-of-Network
| No Benefits |
| Hospice |
In-Network
| No Benefits |
Out-of-Network
| No Benefits |
| Preventive Care |
In-Network
| HealthyCheck Centers: $25 or $75 copay for basic screenings (deducible-free); Routine Pap smears, annual mammograms, PSA and cancer screening, as ordered by physician including the related office visit: 20% of Negotiated Fee Rate, subject to the deductibl |
Out-of-Network
| Routine Pap smears, annual mammograms, PSA and cancer screening, ordered by physician including the related office visit: 20% of Negotiated Fee Rate, subject to the deductible |
| Infusion Therapy |
In-Network
| 20% of Negotiated Fee Rate - Up to $2000 maximum per person during the policy term |
Out-of-Network
| 20% of Negotiated Fee Rate - Up to $2000 maximum per person during the policy term |
| Ambulance |
In-Network
| 20% of Negotiated Fee Rate - Maximum payment of $1000 per person during policy term |
Out-of-Network
| 20% of Negotiated Fee Rate - Maximum payment of $1000 per person during policy term |
| Physical and Occupational Therapy; Chiropractic Services |
In-Network
| 20% of Negotiated Fee Rate; In an outpatient facility, limited to a combined maximum of $1000 per person during policy term |
Out-of-Network
| 20% of Negotiated Fee Rate; In an outpatient facility, limited to a combined maximum of $1000 per person during policy term |
| Acupuncture/Acupressure |
In-Network
| Insured pays all of the NFR except $25; 12 visit maximum. Subject to the deductible |
Out-of-Network
| Insured pays all charges except $25 per visit; 12 visit maximum. Subject to the deductible |
Mental, Emotional or Functional Nervous Disorders
(Inpatient Hospital Charges)
|
In-Network
| 50% up to the semi-private room rate - Up to a combined maximum of $5,000 during policy term |
Out-of-Network
| 50% up to the semi-private room rate - Up to a combined maximum of $5,000 during policy term |
Mental, Emotional or Functional Nervous Disorders
(In or Outpatient Professional Charges)
|
In-Network
| 50% Outpatient; $40 per visit max but no more than one visit per week for outpatient treatment - Up to a combined maximum of $5000 during Policy term. |
Out-of-Network
| 50% Outpatient; $40 per visit max but no more than one visit per week for outpatient treatment - Up to a combined maximum of $5000 during Policy term. |
| Speech Therapy |
In-Network
| No Benefits |
Out-of-Network
| No Benefits |
Drug Benefits
(retail or mail order: 30-day supply)
|
In-Network
| $10 generic***; $30 brand copay. Brand drug maximum of $500 per Insured per policy. 30% of Negotiated Fee Rate for self-administered injectables |
Out-of-Network
| Copayment as stated for Participating Pharmacies plus 50% of the Drug Limited Fee Schedule (DLFS) and all charges in excess of the DLFS |
| AD & D |
In-Network
| 50000 |
Out-of-Network
| 50000 |
