At-a-glance benefit comparison
Compare the standard and high option cost-sharing using the chart below. Both plans give you the same access to care and membership benefits.
2019 plan benefits
Deductible
Standard plan
High plan
Your medical-only deductible is the amount you pay before the health plan starts to pay for certain services. Some services have a copayment before you meet your deductible including primary care and specialist visits.
Primary care visits
Standard plan
High plan
Virtual care
Standard plan
High plan
Virtual care is great option when you have a non-life-threatening condition but can't wait for a doctor's appointment. The best part? We cover in-network virtual care in full which means you won't pay anything out-of-pocket to receive care.
Specialist visits
Standard plan
High plan
Urgent care facility
Standard plan
High plan
Allergy testing, serum & injections
Standard plan
High plan
Covered in full means you will pay nothing out-of-pocket for these services when you receive care.
Outpatient surgery professional services
Standard plan
High plan
Coinsurance is your portion of the cost for the medical service. The standard plan coinsurance applies after you meet your deductible.
Inpatient and outpatient labs & X-ray services
Standard plan
High plan
Coinsurance is your portion of the cost for the medical service. The standard plan coinsurance applies after you meet your deductible.
Emergency room
Standard plan
High plan
Copayment waived if admitted.
For the standard plan, copayment applies after you meet your deductible.
Ambulance services
Standard plan
High plan
For the standard plan, copayment applies after you meet your deductible.
Prescription drugs - Standard plan
Preferred brand: $60 copayment
Non-preferred brand: $90 copayment
Preferred specialty: 20% coinsurance ($200 limit for 31-day supply)
Non-preferred specialty: 20% coinsurance ($400 limit for 31-day supply)
Use our online Approved Drug List to search by drug name, see what drugs your plan covers and check what your copayment will be.
Prescription drugs - High plan
Preferred brand: $50 copayment
Non-preferred brand: $80 copayment
Preferred specialty: 20% coinsurance ($150 limit for 31-day supply)
Non-preferred specialty: 20% coinsurance ($300 limit for 31-day supply)
Use our online Approved Drug List to search by drug name, see what drugs your plan covers and check what your copayment will be.
Prior deductible carryover
Standard plan
High plan