Page 5 - Benefits Guide_Stage 1
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Medical Insurance




                                                      UnitedHealthcare                      UnitedHealthcare
        Plan Name                                 Silver Select Plus PPO (BR-J7)          Gold Select Plus (BR-J6)

        Network Name                           In-Network        Non-Network          In-Network      Non-Network
        Health Benefits
        Lifetime Maximum                                 Unlimited                             Unlimited

        Deductible (Annual)
         - Individual                            $1,500            $3,000              $1,500            $3,000
         - Family                                $3,000            $6,000              $3,000            $6,000

        Co-Insurance (Plan Pays)                  60%               50%                 70%               50%
        Office Visit Copay
         - Primary Care Physician              $50 Copay        Deductible, 50%       $0 Copay       Deductible, 50%
         - Specialist Office Visit             $80 Copay        Deductible, 50%       $75 Copay      Deductible, 50%

        Out-of-Pocket Maximum
         - Individual                            $8,150            $16,300             $6,500           $13,000
         - Family                               $16,300            $32,600             $13,000          $26,000
        Hospitalization
         - Inpatient                         $250, Ded., 40%    $250, Ded., 50%     $250, Ded., 30%   $250, Ded., 50%
         - Outpatient                        $250, Ded., 40%    $250, Ded., 50%     $250, Ded., 30%   $250 Ded., 50%

        Lab and X-Ray
         - Free Standing                     Deductible, 40%    Deductible, 50%     Deductible, 30%   Deductible, 50%
         - Hospital                          Deductible, 50%    Deductible, 50%   Deductible, 30%/50%   Deductible, 50%
        Emergency Services                        Deductible, $300 Copay, 40%           Deductible, $250 Copay, 30%
        Urgent Care                            $80 Copay        Deductible, 50%       $50 Copay      Deductible, 50%

        Preventive Care                        No Charge         Not Covered          No Charge        Not Covered
        Chiropractic                           $45 Copay        Deductible, 50%       $25 Copay      Deductible, 50%
                                                       24 Visits/Year                        24 Visits/Year

        Pharmacy Benefits
        Pharmacy Deductible
         - Individual                                      $300                                  $250
         - Family                                          $600                                  $500

        Retail Pharmacy
         - Generic Formulary                   $20 Copay          $20 Copay           $5 Copay          $5 Copay
         - Brand Name Formulary                $50 Copay          $50 Copay           $50 Copay         $50 Copay
         - Non-Formulary                       $100 Copay         $100 Copay         $100 Copay        $100 Copay
         - Supply Limit                         30 Days            30 Days             30 Days           30 Days

        Mail Order Pharmacy
         - Generic Formulary                   $50 Copay         Not Covered         $12.50 Copay      Not Covered
         - Brand Name Formulary                $125 Copay        Not Covered         $125 Copay        Not Covered
         - Non-Formulary                       $250 Copay        Not Covered         $250 Copay        Not Covered
         - Supply Limit                         90 Days             N/A                90 Days            N/A








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