|
|
| BENEFITS |
LUMENOS HSA PLUS |
| Calendar Year Deductible |
Your Choices |
| |
Single Policy Coverage: |
Family Policy Coverage: |
Family Policy Coverage: |
|
| Individual |
$3,000 $3,000 |
$4,500 $4,500 |
$5,950 $5,950 |
N/A |
N/A |
Network Non-Network |
| Family |
N/A |
$3,500 $3,500 |
$5,500 $5,500 |
$7,500 $7,500 |
$11,900 $11,900 |
Network Non-Network |
| Network Coinsurance Options |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
|
| Calendar Year Out-of-Pocket Maximum |
Add your chosen Deductible to the amount below |
| |
Single Policy Coverage: |
Family Policy Coverage: |
Family Policy Coverage: |
|
| Individual |
$0 $3,000 |
$0 $4,500 |
$0 $5,950 |
N/A |
N/A |
Network Non-Network |
| Family |
N/A |
$0 $3,500 |
$0 $5,500 |
$0 $7,500 |
$0 $11,900 |
Network Non-Network |
| How family deductibles and family out-of-pocket maximums work |
Not applicable for Single policy coverage. |
Either one or more members must meet the family deductible. The family out-of-pocket maximum can be met by either one or more members. Once the maximum is met, no additional coinsurance will be required for the family for remainder of the calendar year. |
Once one family member reaches half of the family deductible or out-of-pocket maximum, the remaining amount of the family deductible or out-of-pocket maximum needs to be met by one or more other family members. The family deductible or out-of-pocket maximum is met, no additional coinsurance will be required for remainder of the calendar year. |
| Lifetime Maximum |
Unlimited |
| Covered Services |
Your share of costs (after deductible, unless waived) |
| Doctors' Office Visits |
NETWORK: 0% Coinsurance NON-NETWORK: 40% Coinsurance |
| Professional and Diagnostic Services (X-ray,lab,anesthesia,surgeon,etc.) |
NETWORK: 0% Coinsurance NON-NETWORK: 40% Coinsurance |
Inpatient Services (overnight hospital/facility stays) |
NETWORK: 0% Coinsurance NON-NETWORK: 40% Coinsurance |
Outpatient Services (No overnight hospital/facility stays) |
NETWORK: 0% Coinsurance NON-NETWORK: 40% Coinsurance |
| Emergency Room Services |
NETWORK: 0% Coinsurance NON-NETWORK: 0% Coinsurance |
| Preventive Care Services |
NETWORK: 0% Coinsurance, not subject to deductible NON-NETWORK: 40% Coinsurance |
| Maternity |
Not Covered |
Optional Coverages (for additional cost) |
Dental, Life |
| Prescription Drugs |
LUMENOS HSA PLUS Plans |
| Retail Drugs (and Mail Order Drugs when available) |
NETWORK: 0% Coinsurance NON-NETWORK: 40% Coinsurance |
Important Disclaimer: Answers and comments provided above
are general information, and are not intended to substitute for
informed professional medical, psychiatric, psychological, tax, legal,
investment, accounting, governmental, or other professional advice.
We do not endorse, and expressly disclaims liability for any product,
manufacturer, distributor, service, health plan, or service provider mentioned
or any opinion expressed in the website. Replies, comments, or information
gathered on Barricks.com
website may not be accurate but are intended to be helpful.