Small Group Plan Designs

OPEN ACCESS HMO
Page 1
click here for page 2 (more BC Open Access HMO plan options)

Description of Benefits

Group HMO Open Access Plan Options
3004AX 3005AX 3006AX 3007AX 3502AX

Lifetime Maximum Unlimited Unlimited Unlimited Unlimited  Unlimited

Calendar year Deductible
(per member-max 3 members)
 In-Network $0 $500 $1,000 $1,500  $1,000

Coinsurance  In-Network 100% 100% 100% 100%  80%

Out-of-Pocket Maximum for Calendar Year - Includes Deductible
(per member-max 3 members)
 In-Network $0 $0 $0 $0  $2,000

Physicians Office Visit PCP/Specialist
(includes x-ray and lab work done and billed by Drs. office)
 In-Network $25/$35 $25/$35 $40/$50 $40/$50  $25/$35

Outpatient Diagnostic X-ray/Lab
(Plan pays after deductible)
 In-Network 100% 100% 100% 100%  80%

Outpatient Surgery Facility includes x-ray and lab
(Plan pays after deductible)
 In-Network $100 $100 $100 $100  80%

Physician Outpatient Services (surgeon, radiologist, anesthesiologist, etc)
(Plan pays after deductible)
 In-Network 100% 100% 100% 100%  80%

Maternity
(physician fee only)
 In-Network
(1st visit only)

$35

$35

$50

$50
 $100

Inpatient Hospital
(Plan pays after deductible)
 In-Network 100% 100% 100% 100%  80%

Physician Inpatient Services (surgeon, radiologist, anesthesiologist, etc)
(Plan pays after deductible)
 In-Network 100% 100% 100% 100%  80%

Physical and Occupational Therapy
20 visits allowed per year
 In-Network $35 $35 $50 $50  $35

Chiropractic Care
20 visits allowed per year
 In-Network $15 $15 $15 $15  $15

Inpatient Behavioral Health/Substance Abuse
30 Day calendar year max
(Plan pays after deductible)
 In-Network 100% 100% 100% 100%  80%

Outpatient Behavioral Health/Substance Abuse
20 Visit calendar year max
 In-Network $35  $35  $50  $50   $35

Emergency Room Copay
(waived if admitted)

In or Out
of Network
$100 $100 $100 $100  $100

Prescription Drug
Copays

Prescription deductible per member (calendar yr)


$0

$0

$0

$0
 $0

Generic/Formulary

$20 $20 $20 $20  $15

Brand/Formulary

$35 $35 $35 $35  $30

Non-Formulary

$60 $60 $60 $60  $60

Mail Order

$60 $60 $60 $60 $60

 Note: Plan benefits listed above are intended as a summary only and do not replace benefits listed in certificate of coverage. Some specific benefits may have limitations and/or exclusions. Refer to your policy for more detail.

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