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Regence NowSelectSM $2500

Idaho Health Plans | NowSelect Plan - $2,500 Deductible

    • A limited health plan that includes six office visits before you use your deductible.
    • Preventive care has a $300 limit per calendar year that applies to an exam, routine lab and x-ray services.
    • Prescriptions include unlimited generics and up to $1,200 for brand medications.
     

Coverage at a Glance


Deductible:
Annual OOP Max: Not applicable on this plan
Lifetime Max: $2 million per member
Copay: $25
Coinsurance: 20% preferred providers, 50% non-preferred
Coinsurance Max: $2,500 per member
Network(s): Regence PPO Network

Find a Doctor
 
Yes Prescription benefits
No Dental
No Vision
Yes No Referrals
Yes Maternity
Yes Preventive Care
No Alternative Care
No Mental Health

Basic Features

Cost Sharing
Deductibles:
  • $2,500 per member
  • Family maximum of two individual deductibles
Annual OOP Max: Not applicable on this plan
Coinsurance Max:
  • You pay $0 after reaching $2,500 coinsurance maximum per member
  • Family coinsurance maximum of three individual maximums
Lifetime Max: $2 million paid by Regence per member
Copay: You pay $25 when using preferred or non-preferred providers
Coinsurance:
  • You pay 20% when using preferred providers
  • You pay 50% when using non-preferred providers
Everyday Needs
Prescriptions:
  • $10 copay (no limits) for generic medications purchased at the pharmacy
  • You pay 50% for all brand medications
  • Mail order available
  • No deductible
  • Brand medications limited to $1,200 per calendar year
Preventive Care:
  • You pay $25 copay for office visit (any provider)  
  • No deductible
  • $300 limit per calendar year applies to an exam, routine lab and x-ray services
Vision: Not covered
Office Visits:
  • You pay $25 copay using preferred or non-preferred providers
  • Limited to six visits per calendar year
  • No deductible
Diagnostic x-ray services:
  • Deductible and coinsurance
  • Limited to $2,500 per calendar year for services outside of inpatient setting (limit combined with lab services)
Outpatient Laboratory services:
  • Deductible and coinsurance
  • Limited to $2,500 per calendar year for services outside of inpatient setting (limited combined with x-ray)
Special Needs
Alternative care: Not covered
Maternity:
  • Separate $5,000 deductible
  • Coinsurance
Mental Health: Not covered
Other considerations
Network(s): Preferred Providers
  • Regence PPO Network

Non-Preferred Providers
  • Providers outside of the Regence PPO Network

Benefit Summary

Rates

Idaho Medical Insurance | Individual & Family Plans
Idaho Individual & Family Plans

Idaho Medical Insurance | Individual & Family Plans

Plan image

Regence HSA Healthplan

Brings together robust preventive care benefits and protection against the unexpected, with the unique power of a tax-advantaged Health Savings Account. For individuals and families.

Regence SummitSM

For the mindful health consumer, Regence Summit is the plan that meets the need for freedom of choice and financial/asset protection. For individuals and families.

Regence NowSelectSM

A low-cost, limited health plan you can use right away. For individuals and families.

InterMSM

Temporary medical coverage for unexpected accidents and illnesses, offered through our affiliate Regence Life and Health. Good for individuals and families who are between jobs, or waiting for an employer plan to start. There are restrictions on pre-existing conditions, so please check the details carefully.

Individual Dollar-Based Dental

A Dental plan that puts you in control of your dental health dollars, offered through our affiliate Regence Life and Health. This plan is dollar-based -a unique departure from traditional procedure-based coverage. Imagine spending your benefit dollars almost any way you choose, on care that's important to you and your family. Each year you decide to include an exam and cleaning, you are rewarded with a benefit increase the following year.

Individual Incentive Dental

Immediate access to quality, affordable dental care, offered through our affiliate Regence Life and Health. This plan is procedure-based, but unlike traditional dental plans you are rewarded for receiving routine preventive care. Each year that you visit the dentist for a checkup and cleaning, means greater benefits and less out-of-pocket expenses the next year.

This does not include all benefits, limitations, exclusions and other terms of coverage (such as eligibility and cancellation provisions) applicable to this plan. Please refer to your contract of a complete list and more in-depth explanation of benefits and the limitations and exclusions that apply.
 First quarter rates are effective 1/1/2010 through 3/31/2010.

Medical Exclusions and Limitations

Alcoholism and Chemical Dependency Excluded
Alternative Care Excluded
Cosmetic OR Reconstructive Surgery Excluded
Custodial Care and Rest Cures Excluded
Diabetic Education $400 calendar year maximum
Durable Medical Equipment Excluded
Eye Exams and Hardware Excluded
Experimental/Investigational Excluded
Family Planning

Excluded except for oral contraceptives

Foot Care Excluded
Hearing Aids Excluded
Home Health Care Excluded
Hospice Excluded
Human Growth Hormone Therapy Excluded
Labs and X-rays $2,500 calendar year maximum, outpatient only
Maternity Care Separate $5,000 deductible
Mental Health Treatment Excluded
Medically Unnecessary Services Excluded
Obesity or Weight Control Excluded
Physician Office Visits 6 visits calendar year maximum
Prescription medications
  • Generic: Unlimited
  • Brand Medications: $1,200 calendar year maximum
Rehabilitative Care (inpatient) Excluded
Rehabilitative Care (outpatient) Excluded:
  • Occupational Therapy
  • Physical Therapy
  • Respiratory Therapy
  • Speech Therapy
Skilled Nursing Facility 30 days calendar year maximum
TMJ Disorder and Orthognathic Surgery Excluded
Transplants $250,000 lifetime maximum
Occupational Therapy
Physical TherapyExcluded
Respiratory Therapy Excluded
Preventative Care
Lab and x-ray $2,500 calendar year maximum, outpatient only
Routine Baby and Child Care $300 per member per calendar year for all preventive care combined
Routine Immunizations

No limit

Routine Physical Exams

$300 calendar year maximum (except routine gynecology exams, pap smears, and mammography)

This does not include all benefits, limitations, exclusions and other terms of coverage (such as eligibility and cancellation provisions) applicable to this plan. Please refer to your contract of a complete list and more in-depth explanation of benefits and the limitations and exclusions that apply.

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