Page 8 - Column Five EE Guide 12-19 -National
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BENEFITS





         Medical Insurance


                                               Anthem Blue Cross                        Anthem Blue Cross
         Plan Name                           Gold PPO 30/750/20%                      Gold PPO 30/500/20%
         Network Name                   Prudent Buyer       Non-Network           Prudent Buyer      Non-Network
         Health Benefits
         Lifetime Maximum                           Unlimited                                Unlimited

         Deductible (Annual)
          - Individual                      $750               $2,000                 $500              $2,000
          - Family                         $2,250              $4,000                $1,500             $4,000
         Out-of-Pocket Maximum
          - Individual                     $7,000              $14,000               $6,800             $13,600
          - Family                         $14,000             $28,000              $13,600             $27,200

         Co-Insurance (Plan Pays)           80%                 50%                   80%                50%
         Office Visit Copay
          - Preventive Care               No Charge        Deductible, 50%         No Charge        Deductible, 50%
          - Primary Care Physician        $30 Copay        Deductible, 50%         $30 Copay        Deductible, 50%
          - Specialist Office Visit       $55 Copay        Deductible, 50%         $60 Copay        Deductible, 50%
          - Urgent Care                   $55 Copay        Deductible, 50%         $60 Copay        Deductible, 50%
          - Live Health Online            $15 Copay          Not covered           $15 Copay          Not covered

         Hospitalization
          - Inpatient                  Deductible, 20%     Deductible, 50%*      Deductible, 20%    Deductible, 50%*
          - Outpatient Surgery         Deductible, 20%     Deductible, 50%*      Deductible, 20%    Deductible, 50%*
         Lab and X-Ray
          - Diagnostic                 Deductible, 20%     Deductible, 50%       Deductible, 20%    Deductible, 50%
          - Complex                  Deductible, 20%, $100   Deductible, 50%*   Deductible, 20%, $100   Deductible, 50%*
         Emergency Services                 Deductible, $250 Copay, 20%              Deductible, $250 Copay, 20%

         Chiropractic                  Deductible, 50%       Not covered         Deductible, 50%      Not covered
                                                  20 Visits/Year                           20 Visits/Year
         Pharmacy Benefits
         Pharmacy Deductible
          - Individual                      $250                N/A                   $250               N/A
          - Family                          $500                N/A                   $500               N/A

         Retail (30 Day Supply)       Waived for generics                       Waived for generics
           - Generic Formulary            $20 Copay          Not Covered           $20 Copay          Not Covered
          - Brand Name Formulary          $40 Copay          Not Covered           $40 Copay          Not Covered
          - Non-Formulary                 $80 Copay          Not Covered           $80 Copay          Not Covered
          - Specialty                30% Max $250 Copay      Not Covered       30% Max $250 Copay     Not Covered
         Mail Order (90 Day Supply)
           - Generic Formulary          $13/$50 Copay        Not Covered         $13/$50 Copay        Not Covered
          - Brand Name Formulary         $120 Copay          Not Covered           $120 Copay         Not Covered
          - Non-Formulary                $240 Copay          Not Covered           $240 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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