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Apex $1,000 Gold
Plan Summary
Plan Type PPO
Metal Level Gold
Office Visit for Primary Doctor
Find Doctors 		$15 Copay
Office Visit for Specialist $35 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $35 Copay
Annual Deductible Individual: $1,000
Separate Prescription Drugs Deductible Medical Plan Deductible Applies
Coinsurance 20%
Retail Prescription Drugs Generic Drugs: $25 Copay;
Preferred Brand Drugs: 20% Coinsurance after deductible;
Non-Preferred Brand Drugs: 30% Coinsurance after deductible;
Specialty Drugs: 50% Coinsurance after deductible;
Annual Out-of-Pocket Limit Individual: $8,250
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 Yes. Coverage for emergency services only 
Office Visit
Primary Care Physician Required No
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 20% Coinsurance after deductible
Emergency Ambulance Services 20% Coinsurance after deductible
Urgent Care Facility $35 Copay
Prescription Drug Coverage
Retail Prescription Drugs Generic Drugs: $25 Copay;
Preferred Brand Drugs: 20% Coinsurance after deductible;
Non-Preferred Brand Drugs: 30% Coinsurance after deductible;
Specialty Drugs: 50% Coinsurance after deductible;
Separate Prescription Drugs Deductible Medical Plan Deductible Applies
Mail Order Prescription Drugs N/A
Mail Order Supply N/A
Outpatient Coverage
Outpatient Surgery Outpatient Surgery Physician/Surgical Services:
20% Coinsurance after deductible
Outpatient Facility Fee:
20% Coinsurance after deductible
Outpatient Lab/X-Ray Outpatient Lab:
No Charge
X-rays:
20% Coinsurance after deductible
Imaging (CT and PET scans, MRIs) 20% Coinsurance after deductible
Outpatient Mental Health $15 Copay
Outpatient Substance Abuse $15 Copay
Outpatient Rehabilitation Services (PT, OT, ST) 20% Coinsurance after deductible
Inpatient Coverage
Hospitalization Inpatient Hospital Services:
20% Coinsurance after deductible
Inpatient Physician and Surgical Services:
20% Coinsurance after deductible
Skilled Nursing Facility 20% Coinsurance after deductible, limited to 120 Days per Year
Inpatient Mental Health 20% Coinsurance after deductible
Inpatient Substance Abuse 20% Coinsurance after deductible
Home Healthcare $35 Copay, limited to 120 visit(s) per Year
Maternity Coverage
Pre & Postnatal Office Visit No Charge
Labor & Delivery Hospital Stay 20% Coinsurance after deductible
Pediatric Services
Dental Checkup for Children 20% Coinsurance after deductible
Vision Screening for Children No Charge
Eye Glasses for Children 20% Coinsurance after deductible, limited to 1 Item(s) per Year
Major Dental Coverage (Pediatric) 20% Coinsurance after deductible
Additional Coverage
Chiropractic Coverage $35 Copay
Durable Medical Equipment 20% Coinsurance after deductible
Hospice 20% Coinsurance after deductible, limited to 30 Days per Episode
Major Dental Coverage (Adult) Not Covered
Vision Coverage (Adult) Not Covered
Out-of-Network Coverage
Out-of-Network Authorization Required No
Out-of-Network Annual Deductible $20000 per person | $40000 per group
Out-of-Network Annual Coinsurance 50%
Out-of-Network Annual Out-of-Pocket Limit per person not applicable | per group not applicable
Additional Information
A.M. Best Rating NR as of 06/12/2025
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.