Page 7 - Column Five EE Guide 12-19 -National
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BENEFITS





         Medical Insurance


                                             Anthem Blue Cross                         Anthem Blue Cross
         Plan Name                         Silver PPO 55/1750/35%                    Silver PPO 40/1750/40%
         Network Name                 Prudent Buyer        Non-Network           Prudent Buyer       Non-Network
         Health Benefits
         Lifetime Maximum                         Unlimited                                 Unlimited

         Deductible (Annual)
          - Individual                   $1,750               $3,500                $1,750              $3,500
          - Family                       $3,500               $7,000                $3,500              $7,000
         Out-of-Pocket Maximum
          - Individual                   $7,700              $15,400                $7,600             $15,200
          - Family                      $15,400              $30,800               $15,200             $30,400

         Co-Insurance (Plan Pays)         65%                  50%                   60%                 50%
         Office Visit Copay
          - Preventive Care            No Charge          Deductible, 50%         No Charge         Deductible, 50%
          - Primary Care Physician     $55 Copay          Deductible, 50%         $40 Copay         Deductible, 50%
          - Specialist Office Visit    $80 Copay          Deductible, 50%         $70 Copay         Deductible, 50%
          - Urgent Care                $80 Copay          Deductible, 50%         $70 Copay         Deductible, 50%
          - Life Health online         $20 Copay           Not covered            $20 Copay           Not covered

         Hospitalization
          - Inpatient                Deductible, 35%     Deductible, 50%*       Deductible, 40%     Deductible, 50%
          - Outpatient Surgery       Deductible, 35%     Deductible, 50%*       Deductible, 40%     Deductible, 50%
         Lab and X-Ray
          - Diagnostic               Deductible, 35%      Deductible, 50%       Deductible, 40%     Deductible, 50%
          - Complex                Deductible, 35%, $100   Deductible, 50%*   Deductible, 40%, $100   Deductible, 50%
         Emergency Services               Deductible, $300 Copay, 35%                Deductible, $250 Copay, 40%

         Chiropractic                Deductible, 50%       Not covered          Deductible, 50%       Not covered
                                                20 Visits/Year                             20 Visits/Year
         Pharmacy Benefits
         Pharmacy Deductible        Waived for generics                        Waived for generics
          - Individual                    $300                 N/A                   $400                N/A
          - Family                        $600                 N/A                   $800                N/A

         Retail (30 Day Supply)
           - Generic Formulary         $20 Copay           Not Covered            $20 Copay          Not Covered
          - Brand Name Formulary       $50 Copay           Not Covered            $50 Copay          Not Covered
          - Non-Formulary              $90 Copay           Not Covered            $90 Copay          Not Covered
          - Specialty              30% Max $250 Copay      Not Covered        30% Max $250 Copay     Not Covered
         Mail Order (90 Day Supply)
           - Generic Formulary         $50 Copay           Not Covered            $50 Copay          Not Covered
          - Brand Name Formulary       $150 Copay          Not Covered            $150 Copay         Not Covered
          - Non-Formulary              $270 Copay          Not Covered            $270 Copay         Not Covered
          - Specialty              30% Max $250 Copay      Not Covered        30% Max $250 Copay     Not Covered

         *Limitations apply. See SBC for details.


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