Elite
$110.70/30 Days
Prime
$94.20/30 Days
Preferred
$66.90/30 Days
Basic
$48.90/30 Days$100 deductibleor$43.80/30 Days$500 deductible
| Download Policy | FlyerBrochure | FlyerBrochure | FlyerBrochure | FlyerBrochure |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit | No Overall Maximum Dollar Limit | $500,000 | $500,000 |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$50 Per Policy Year | $100 Per Policy Year | $50 Per Policy Year | Option of $100 or $500 Per Policy Year |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
90% except as noted | 80% except as noted | 80% except as noted | 80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$5000 Per Policy Year | $6350 Per Policy Year |  |
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Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
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12 months |
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance | 100% of Perferred Allowance | No Benefits | No Benefits |
Prescription DrugsDrugs and medications that by law require a prescription. |
$15 Copay - Tier 1 $30 Copay - Tier 2 $50 Copay - Tier 3 |
$15 Copay - Tier 1 20% Coinsurance - Tier 2 30% Coinsurance - Tier 3 |
$20 Copay - Tier 1 30% Coinsurance - Tier 2 40% Coinsurance - Tier 3 |
No Benifits for UHCP |
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Elite
$110.70/30 Days
| Download Policy | FlyerBrochure |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$50 Per Policy Year |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
90% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$5000 Per Policy Year |
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
|
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance |
Prescription DrugsDrugs and medications that by law require a prescription. |
|
Prime
$94.20/30 Days
| Download Policy | FlyerBrochure |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$100 Per Policy Year |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$6350 Per Policy Year |
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
|
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance |
Prescription DrugsDrugs and medications that by law require a prescription. |
|
Preferred
$66.90/30 Days
| Download Policy | FlyerBrochure |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
$500,000 |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$50 Per Policy Year |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
|
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
|
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
No Benefits |
Prescription DrugsDrugs and medications that by law require a prescription. |
|
Basic
$48.90 or $43.80/30 Days
| Download Policy | FlyerBrochure |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
$500,000 |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
Option of $100 or $500 Per Policy Year |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
|
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
12 months |
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
No Benefits |
Prescription DrugsDrugs and medications that by law require a prescription. |
12 months |
自付额 Deductible
在保险公司开始赔付钱，投保人自己支付的金额。
共付额 Copayment (or co-pay)
对某些特定项目，每次看病时自己需要支付的一定金额。
赔付比例 Coinsurance
自付额支付满额后，保险公司为医疗费用赔付的百分比。
最高自付额 Out-of-pocket Maximum
在一个保险政策年中，你永远不会支付超过最高自付限额。现金支付最高金额包括您的所有共付额，自付额和共同保险金。
保险选择贴士
