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Personal Choice EPO Bronze Reserve + HSA Eligible
Plan Summary
Plan Type EPO
Office Visit for Primary Doctor
Find Doctors 		No Charge after deductible
Office Visit for Specialist No Charge after deductible
Office Visit for Other Practitioner (Nurse, Physician Assistant) No Charge after deductible
Annual Deductible Individual: $7,450
Separate Prescription Drugs Deductible Medical Plan Deductible Applies
Coinsurance 0%
Retail Prescription Drugs Generic Drugs: No Charge after deductible;
Preferred Brand Drugs: No Charge after deductible;
Non-Preferred Brand Drugs: No Charge after deductible;
Specialty Drugs: No Charge after deductible;
Annual Out-of-Pocket Limit Individual: $7,450
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 is provided for benefits received while outside of the U.S. 
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 No Charge after deductible
Emergency Ambulance Services No Charge after deductible
Urgent Care Facility No Charge after deductible
Prescription Drug Coverage
Retail Prescription Drugs Generic Drugs: No Charge after deductible;
Preferred Brand Drugs: No Charge after deductible;
Non-Preferred Brand Drugs: No Charge after deductible;
Specialty Drugs: No Charge 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:
No Charge after deductible
Outpatient Facility Fee:
No Charge after deductible
Outpatient Lab/X-Ray Outpatient Lab:
No Charge after deductible
X-rays:
No Charge after deductible
Imaging (CT and PET scans, MRIs) No Charge after deductible
Outpatient Mental Health No Charge after deductible
Outpatient Substance Abuse No Charge after deductible
Outpatient Rehabilitation Services (PT, OT, ST) No Charge after deductible, limited to 30 Visit(s) per Benefit Period
Inpatient Coverage
Hospitalization Inpatient Hospital Services:
No Charge after deductible
Inpatient Physician and Surgical Services:
No Charge after deductible
Skilled Nursing Facility No Charge after deductible, limited to 120 Days per Benefit Period
Inpatient Mental Health No Charge after deductible
Inpatient Substance Abuse No Charge after deductible
Home Healthcare No Charge after deductible, limited to 60 Visit(s) per Benefit Period
Maternity Coverage
Pre & Postnatal Office Visit No Charge after deductible
Labor & Delivery Hospital Stay No Charge after deductible
Pediatric Services
Dental Checkup for Children No Charge, limited to 1 Exam(s) per 6 Months
Vision Screening for Children No Charge, limited to 1 Exam(s) per Year
Eye Glasses for Children No Charge, limited to 1 Item(s) per Year
Major Dental Coverage (Pediatric) No Charge after deductible
Additional Coverage
Chiropractic Coverage No Charge after deductible, limited to 20 Visit(s) per Benefit Period
Durable Medical Equipment No Charge after deductible
Hospice No Charge after deductible
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 N/A
Out-of-Network Annual Coinsurance N/A
Out-of-Network Annual Out-of-Pocket Limit N/A
Additional Information
A.M. Best Rating NR as of 05/12/2025
Electronic Signature for Application Available Yes
Details and documents about this plan
View Plan Brochure (Not available)

The carrier has not provided a separate document for 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.