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Choice Silver Standard POS
Plan Summary
Plan Type POS
Office Visit for Primary Doctor
Find Doctors 		$40 Copay
Office Visit for Specialist $60 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $40 Copay
Annual Deductible Individual: $5,000
Separate Prescription Drugs Deductible $250 per person | $500 per group
Coinsurance 0%
Retail Prescription Drugs Generic Drugs: $10 Copay;
Preferred Brand Drugs: $45 Copay after deductible;
Non-Preferred Brand Drugs: $70 Copay after deductible;
Specialty Drugs: 20% Coinsurance after deductible;
Annual Out-of-Pocket Limit Individual: $9,100
Includes deductible
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Yes  (Details in plan brochure below)
Out-of-Country Coverage No.
Office Visit
Primary Care Physician Required Yes
Specialist Referrals Required No
Preventive Care Coverage
Periodic Health Exam No Charge
Periodic OB-GYN Exam No Charge
Well Baby Care No Charge
Emergency and Urgent Care
Emergency Room $450 Copay after deductible
Emergency Ambulance Services $0 Copay
Urgent Care Facility $75 Copay
Prescription Drug Coverage
Retail Prescription Drugs Generic Drugs: $10 Copay;
Preferred Brand Drugs: $45 Copay after deductible;
Non-Preferred Brand Drugs: $70 Copay after deductible;
Specialty Drugs: 20% Coinsurance after deductible;
Separate Prescription Drugs Deductible $250 per person | $500 per group
Mail Order Prescription Drugs N/A
Mail Order Supply N/A
Outpatient Coverage
Outpatient Surgery Outpatient Surgery Physician/Surgical Services:
$0 Copay after deductible
Outpatient Facility Fee:
$500 Copay after deductible
Ambulatory Surgery Center:
$300 Copay after deductible
Outpatient Lab/X-Ray Outpatient Lab:
$25 Copay
X-rays:
$40 Copay after deductible
Imaging (CT and PET scans, MRIs) $75 Copay
Outpatient Mental Health $40 Copay
Outpatient Substance Abuse $40 Copay
Outpatient Rehabilitation Services (PT, OT, ST) $30 Copay, limited to 40 Visit(s) per Year
Inpatient Coverage
Hospitalization Inpatient Hospital Services:
$500 Copay per Day after deductible, A copay is required for up to 4 days
Inpatient Physician and Surgical Services:
$0 Copay after deductible
Skilled Nursing Facility $500 Copay per Day after deductible, A copay is required for up to 4 days; limited to 90 Days per Year
Inpatient Mental Health $500 Copay per Day after deductible, A copay is required for up to 4 days
Inpatient Substance Abuse $500 Copay per Day after deductible, A copay is required for up to 4 days
Home Healthcare $0 Copay, limited to 100 Visit(s) per Year
Maternity Coverage
Pre & Postnatal Office Visit $0 Copay
Labor & Delivery Hospital Stay $500 Copay per day after deductible, A copay is required for up to 4 days
Pediatric Services
Dental Checkup for Children $0 Copay, limited to 2 Visit(s) per Year
Vision Screening for Children $60 Copay, limited to 1 Exam(s) per Year
Eye Glasses for Children $0 Copay, limited to 1 Item(s) per Year
Major Dental Coverage (Pediatric) 50% Coinsurance
Additional Coverage
Chiropractic Coverage $50 Copay, limited to 20 Visit(s) per Year
Durable Medical Equipment 40% Coinsurance
Hospice $500 Copay after deductible
Major Dental Coverage (Adult) Not Covered
Vision Coverage (Adult) $60 Copay, limited to 1 Exam(s) per Year
Out-of-Network Coverage
Out-of-Network Authorization Required No
Out-of-Network Annual Deductible $10000 per person | $20000 per group
Out-of-Network Annual Coinsurance 40%
Out-of-Network Annual Out-of-Pocket Limit $18200 per person | $36400 per group
Additional Information
A.M. Best Rating C as of 07/31/2024
Electronic Signature for Application Available Yes
Details and documents about this plan
View Plan Brochure Exclusions and Limitations

Important notices and disclaimers

  • The information shown here is a summary of benefits for informational purposes only. Review the official plan documents (such as evidence of coverage, plan brochure, or insurance policy) for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.
  • The benefits listed may be contingent on your use of physicians, hospitals, and services within the specific insurance company's provider network.
  • The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
  • Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check below for information regarding the plans and carriers you selected.
  • The quotes or rates shown above are estimates only. Your premium is subject to change based on the optional benefits you selected, if any, and other relevant factors, such as changes in rates that take effect before your coverage start date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.
  • The Summary of Benefits & Coverage can be found at healthcare.gov. A paper copy of this Summary of Benefits & Coverage is available upon request by calling our toll free number. Click here to view the Uniform Glossary of Coverage and Medical Terms.