Silver Plans

Similar to options offered at the gold level, you have a variety of terrific plan options to choose from including iDirect Silver Coinsurance, iDirect Silver Nutrition, NY/PA Silver, Passport Plan Silver, Choice Plus Silver, Prime Access Silver and iDirect Silver.

At the silver level, while your premium is lower, there are additional deductibles and increased out-of-pocket cost associated with some benefits. The good news is these plans offer the added value of the NY Standard Gym Benefit, as well as our exciting nutrition benefit or the personalBest! health and wellness benefit – offered as a choice or as a built-in benefit.

Coming Soon for 2015! Choice Plus® will now offer the advantage of an expanded, high-performing physician network – with physicians from The Primary Connection®. Plus, our all new Max® plan offers unique lifestyle benefits to help you live a healthier lifestyle. Learn more

The summary below provides you with a brief overview of benefits available through our Silver plan options. Click on the “Learn More” link at the bottom of each column to view a plan’s detailed Summary of Benefits and Coverage.

iDirect Silver Coinsurance NY/PA Silver Passport Plan Silver Choice Plus Silver Prime Access Silver iDirect Silver
Product Attributes:
Unique Benefits personalBest! or Nutrition Benefit personalBest! or Nutrition Benefit NY Standard Gym Benefit personalBest! or Nutrition Benefit personalBest! or Nutrition Benefit personalBest! or Nutrition Benefit
$250 Primary Care Office Visit Allowance No No No No No No
$0 Preventive Care Services Yes Yes Yes Yes Yes Yes
Primary Care Office Visit Deductible then 20% Deductible then 20% Deductible then 20% Deductible then: Network A: $30 Network B: 40% Deductible then $30 Deductible then $30
Specialist Office Visit Deductible then 20% Deductible then 20% Deductible then 20% Deductible then: Network A: $50 Network B: 40% Deductible then: $50 with referral; $70 without referral Deductible then $50
Emergency Room Deductible then 20% Deductible then 20% Deductible then 20% Deductible then: Network A: $200 Network B: $200 Deductible then $200 Deductible then $150
Urgent Care Yes Yes Yes Yes Yes Yes
Inpatient Hospitalization (per admission) Deductible then 20% Deductible then 20% Deductible then 20% Deductible then: Network A: $1,000 Network B: 40% Deductible then $1,000 Deductible then $750
Pharmacy Deductible then $4/$30/50% Deductible then $4/$30/50% Deductible then $4/$30/50% Deductible then $4/$30/50% Deductible then $4/$30/50% Deductible then $4/$30/50%
In-Network Deductible $2,000/$4,000 $2,000/$4,000 $2,000/$4,000 Network A: $1,500/$3,000 Network B: $2,000/$4,000 $1,500/$3,000 $1,500/$3,000
In-Network Coinsurance 20% 20% 20% Network A: 0% Network B: 40% 0% 0%
HSA Qualified plan Yes Yes Yes Yes Yes Yes
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