| Deductibles: |
- $1,000 individual
- $3,000 family
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| Annual OOP Max: |
- $2,000 individual
- $4,000 family
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| Lifetime Max: |
- $1,500,000; $2,000,000 individual
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| Coinsurance: |
|
| Preventive Care: |
- 100% network
- Not subject to deductible
|
| Office Visits: |
- 90%-95%
- Subject to deductible
|
| Diagnostic x-ray and Laboratory Services: |
- 90% - 95% (unless specified otherwise)
- Subject to deductible
|
| Hospital Services: |
- 90% - 95%
- Subject to deductible
|
| Emergency Room: |
- 90% - 95% after $50 copay
- Subject to deductible
- Emergency room treatment is paid at the network level when the condition meets the definition of a medical emergency. Refer to the Summary Plan Description below for more information.
|
| Mental Health: |
- 90% - 95% inpatient and outpatient services
- Refer to Benefit Summary below
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| Substance Abuse: |
- 90% - 95% inpatient and outpatient services
- Refer to Benefit Summary below
|
| Alternative care: |
- 90% - 95%. Subject to deductible.
- Limited to a combined total of 26 spinal and extremity manipulation visits per benefit year.
- Alternative care under the Basic Indemnity Plan includes services received by acupuncturists and chiropractors only. Naturopaths, naturopathic services and massage therapists are not covered under the plan.
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| Prescriptions: |
- Generic: $5 retail copay; $10 mail-order copay
- Brand-name formulary: $20 retail copay; $40 mail-order copay
- Non-formulary: $35 retail copay; $70 mail-order copay
- Not subject to deductible
- Prescription medications are covered through a prescription program managed by Medco. Contact Medco at 1 (800) 841-2797 or visit the Medco Web site to learn more.
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| Vision: |
- Routine vision care services are covered through Vision Service Plan (VSP) for certain unions. Contact VSP at 1(800) 877-7195 or visit the VSP Web site to learn more.
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