|
QUOTE
|
Insurance Company
-The insurance company that is offering this health insurance plan.
Insurance Company  |
|
PPO(Preferred Provider Organization)
No referral necessary. You may visit any participating providers directly. PPO Plans offer better coverage for In-Network providers.
HMO (Health Maintenance Organization)
-Applicant must designate a family doctor and the doctor's related medical group.If family doctor and medical group are not indicated, then the HMO would select one for the applicant.
-HMO plans offer comprehensive coverage with predictable costs.
HSA (Health Savings Account)
-The health plan is eligible to use with a Health Savings Account.
-Money deposit into a HSA is pre-tax and can be used at any time to pay for qualified medical expenses without taxes or penalties. HSA eligible plans usually are high in deductibles.
Plan Type -
PPO |
HMO |
HSA  |
HMO
|
Annual Deductible
-Some health plans have annual deductibles. It is the amount you must satisfy in a year before benefits are available to you. Medical and prescription drug deductibles are generally separated.
Annual Deductible  |
$0
|
Annual Maximum Out-of-Pocket (includes Annual Deductible)
-The maximum amount you need to pay in a calendar year. This protects your share of medical expense to a fixed limit. Out-of-pocket maximum excludes copays for doctor visits and prescriptions.
Annual Out-Of-Pocket (includes Annual Deductible)  |
$3,000 individual; $6,000 family
|
Doctor Visit
-A visit to a physician's office to seek medical consultation/treatment for a condition.
Doctor Visit  |
$10 copay
|
Lifetime Maximum
-An insurance carrier will continue to cover medical expenses for each insured until a lifetime maximum is met.
Lifetime Maximum  |
Unlimited
|
Inpatient
-Hospital stay that is over 24 hours.
Inpatient  |
20% coinsurance
|
Outpatient
-Hospital stay that is less than 24 hours.
Outpatient  |
20% coinsurance
|
Maternity
-Some plans provide coverage for maternity and cover the medical expense incurred during pregnancy. Coverage area includes prenatal and postnatal doctor's visits/services and the hospitalization and fees related to the delivery of the baby.
Maternity  |
Office visits: $10 copay;Inpatient/Outpatient: 20% coinsurance
|
Emergency Services
-Services that are received in the emergency room for an emergency condition.
Emergency Services  |
$100 copay(waived if admitted) + 20% coinsurance
|
|
Ambulance |
$50 copay, waived if admitted to hospital
|
X-Ray & Lab
-lab/x-ray services that are received in an outpatient clinic.
X-Ray & Lab  |
No charge for office visit-related services
|
Annual Check up
- Physical check up that is preformed once a year. Depending on the insurance carrier and plan type, different guidelines may be applied. Some insurance carriers may allow member to go to any physician of his choice, while some may direct member to a designated center for the check up.
Annual Check up  |
$10 copay for specific health maintenance services
|
Pap Smear/Mammogram
- Pap smear is a screening test to detect premalignant and malignant (cancerous) processes in the extocervix. Mammogram is to detect breast cancer, typically through detection of characteristic masses and/or microcalcifications, and believed to reduce mortality from breast cancer.
Pap Smear/Mammogram  |
$10 copay
|
|
Physical Therapy |
Outpatient: $10 copay per visit; Inpatient: 20% coinsurance (up to 60 consecutive days following an illness or injury)
|
|
Acupuncture |
Not covered
|
|
Chiropractic Care |
Outpatient $10 copay; Inpatient 20% coinsurance (up to 60 consecutive days following an illness or injury)
|
Generic Rx
-Prescription drug which has the same active ingredient formula as the brand name drug. Generic drugs usually cost less than brand name drugs and are approved by the Food and Drug Administration (FDA)
Generic Rx  |
$10 copay
|
Brand Name Rx
-Prescription drug that has a trade name and is protected by a patent (can be produced and sold only by the company holding the patent)
Brand Name Rx  |
$30 copay after $250 brand name deductible
|
Term Life Coverage
-Insurance carrier may allow applicant to attach a term life insurance coverage along with the medical plan. The face amount that is offered may vary among the different insurance carriers.
Term Life Coverage  |
Optional
|
Dental
-Some plans may include partial dental benefits but most medical plans usually do not include any. You may add dental insurance as an option.
Dental  |
Optional
|
Vision
- Some plans may include basic vision coverage but most medical plans usually do not provide any vision benefits.
Vision  |
Not covered
|
Eligibility
- Requirements that need to be satisfied before you are eligible to apply for the plan.
Eligibility  |
Reside in California at least 3 months
|
Available Effective Date
- Insurance carrier may have different effective date that is available for you to choose from.
Available Effective Date  |
Any Day
|
Plan Limitations and Restrictions
- This section provides the plan benefit in detail.
Plan Limitations And Restrictions  |
PDF
|
Insurance Company
-The insurance company that is offering this health insurance plan.
Insurance Company  |
|
|
QUOTE
|