Three Plans to Choose From
This chart shows the current plan designs that you can choose from. We anticipate having new designs available in the next few months. If you would like to see details for each plan, click on the column heading.
The smart money places their bets on the lowest cost plans and uses a supplemental hospital indemnity plan to make up the difference. You will save a lot of money and get the same coverage. Please click here for a brief article that shows you how - Using Supplemental Health Plan To Save Money.
Basic Medical Plan Features |
Gold Plan |
Silver Plan |
HSA Plan |
Provider network |
PPO |
PPO |
PPO |
Maximum age for a dependent child |
25 |
25 |
25 |
In-Network Services |
|
|
|
Annual deductible |
|
|
|
Individual |
None |
$1,000 |
$2,000 |
Family |
None |
$2,000 |
$4,000 |
Annual out-of-pocket max. |
|
|
|
Individual |
Not applicable |
$3,000 |
$2,000 |
Family |
Not applicable |
$6,000 |
$4,000 |
Coinsurance |
None |
80% |
100% |
Routine Adult or Well Child Care to Age 19 |
No Charge |
No Charge |
No Charge |
Office Visit Copay |
$30 |
$30 |
No charge after deductible |
Specialist Copay |
$50 |
$50 |
No charge after deductible |
Hospital Admission Copay |
$500 |
Deductible and coinsurance |
No charge after deductible |
Hospital Outpatient Copay |
Not applicable |
Deductible and coinsurance |
No charge after deductible |
Emergency Room Copay |
$100 |
$250 |
No charge after deductible |
Lab Fees at Participating Lab |
No charge |
Deductible and coinsurance |
No charge after deductible |
Lab Fees at Provider’s Office |
No charge |
No charge |
No charge after deductible |
Lifetime Max. Benefit |
Unlimited |
Unlimited |
$5,000,000 |
|
|
|
|
Out-of-Network Services |
|
|
|
Annual Deductible |
|
|
|
Individual |
$1,000 |
Not applicable |
$4,000 |
Family |
$2,000 |
Not applicable |
$8,000 |
Annual Out-of-Pocket Maximum |
|
|
|
Individual |
$5,000 |
Not applicable |
$5,000 |
Family |
$10,000 |
Not applicable |
$10,000 |
Coinsurance |
80% after deductible |
Not applicable |
80% after deductible |
|
|
|
|
Prescription Drug Features |
|
|
|
Generic Copay |
$10 |
$10 |
$10 |
Preferred Copay |
$30 |
$35 |
$30 |
Non-preferred Copay |
$50 |
$70 |
$50 |
Prescription Drug Deductible |
None |
$250/$750 |
Subject to in-network deductible |
Our plans are currently available in NY, NJ and CT only.
Call us at 800-272-0512 Mon - Thurs 9 am to 8 pm EST and until 6 pm on Friday or click here to send us an email