Compare Plans
Use the chart below to compare the high-deductible health plans offered to small group employers, and see which plan best suits the needs of you and your employees.p
| Plan Benefits |
iDirect |
Choice Plus
(other plan options available)
|
Prime Access
(E = Enhanced,
S = Standard)
(other plan options available)
|
| Primary Care Office Visit |
Deductible, then varies
(copay and coinsurance option available)
|
Network A:
Deductible then $35 copay
Network B:
Deductible then 40% coinsurance
|
E & S: Deductible then $20 copay/visit
|
| Specialist Office Visit |
Deductible, then varies
(copay and coinsurance option available)
|
Network A:
Deductible then $50 copay
Network B:
Deductible then 40% coinsurance
|
E & S:
With Referral: Deductible then $40 copay/visit
Without Referral: Deductible then $60 copay/visit
|
Inpatient
(per admission)
|
Deductible, then varies
(copay and coinsurance option available)
|
Network A: Deductible then $1,000 copay
Network B: Deductible then 40% coinsurance
|
E & S:
Deductible then $1,000 copay
|
| Outpatient Surgery |
Deductible, then varies
(copay and coinsurance option available)
|
Network A: Deductible then $150 copay
Network B: Deductible then 40% coinsurance
|
Deductible then $150 copay/visit |
Out-of-Pocket Maximum
(In-Network)
|
$5,000/$10,000 |
Network A:
$5,000/$10,000
Network B:
$6,250/$12,500
|
E: $5,000/$10,000
S: $5,000/$10,000
|
Deductible
(In-Network)
|
Various options:
Range: $1,000/$3,000
|
Network A:
$1,500/$3,000
Network B:
$2,500/$5,000
|
E: $1,500/$3,000
S: $2,500/$5,000
|
Coinsurance
(In-Network)
|
20% where applicable (varies by plan) |
Network A:
N/A
Network B:
N/A
|
N/A |