PPO High Deductible 3000 (HSA Compatible )

Details at a Glance

• Plan Type
• PPO
• Office Visit for Primary Doctor
• 0% Coinsurance after deductible
• Office Visit for Specialist
• 0% Coinsurance after deductible
• Coinsurance
• 0% Coinsurance after deductible
• Separate Prescription Drugs Deductible
• Medical Plan Deductible Applies
• Prescription Drugs
• Generic: 0% Coinsurance after Deductible
• Brand: 0% Coinsurance after Deductible
• Non-Formulary: 0% Coinsurance after Deductible
• Health Savings Account (HSA) Eligible
• Yes ( See HSA Administrators)
• Out-of-Network Coverage
• Yes  (Details in plan brochure below)
• Out of Country Coverage
• Yes. Paid as out-of-network benefits 

Physicians

• Primary Care Physician (PCP) Required
• No
• Specialist Referrals Required
• No

Preventive Care Coverage

• Periodic Health Exam
• $20 Copay, deductible waived
• Periodic OB-GYN Exam
• No Charge
• Well Baby Care
• 0% Coinsurance
  Age and frequency schedule apply

Prescription Drug Coverage

• Generic Prescription Drugs
• 0% Coinsurance after Deductible
• Brand Prescription Drugs
• 0% Coinsurance after Deductible
• Non-Formulary Prescription Drugs Coverage
• 0% Coinsurance after Deductible
• Mail Order for Prescription Drugs
• Generic: 0% Coinsurance after Deductible
• Brand: 0% Coinsurance after Deductible
• Non-Formulary: 0% Coinsurance after Deductible
• Days Supply: 90
• Separate Prescription Drugs Deductible
• Medical Plan Deductible Applies

Hospital Services Coverage

• Emergency Room
• $0 Copay after deductible
• Outpatient Lab/X-Ray
• 0% Coinsurance after deductible
• Outpatient Surgery
• 0% Coinsurance after deductible
• Hospitalization
• 0% Coinsurance after deductible

Maternity Coverage

• Pre & Postnatal Office Visit
• Not covered (except for pregnancy complications)
• Labor & Delivery Hospital Stay
• Not covered (except for pregnancy complications)

Additional Coverage

• Chiropractic Coverage
• 0% Coinsurance after deductible. Aetna will pay $25 Max. Per Visit/ 24 Visits Per Year.
• Mental Health Coverage
• 60 days partial hospitalization; Outpatient: not less than 20% first 5 visits (CYM); 35% 6th - 30th visit; 50% 31st visit on. Benefits cover mental illness, emotional, drug & alcohol abuse. Treat same as physical illness, no separate LTM

Additional Information

• A.M. Best Rating
• A as of 06/17/2009
• Electronic Signature for Application Available
• Yes
• Will insurance company obtain and pay for medical records?
• Yes
• Additional information about this health insurance plan is available in the documents below.
  Plan Brochure
  Exclusions and Limitations

Action

• Get live professional advice about this insurance plan
• Get Live Advice