Co-pay Low Deductible Health Insurance

Designed for individuals and families, our co-pay plans are more like traditional employer plans with a copayment for routine health-care expenses. When you use a network doctor for an office visit, insurance pays 100% of history and exam fees after a $35 co-pay with Co-pay Select. Office visit expenses outside your network are not eligible for copay benefits.

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Health Insurance Plan Features

Adult and Child Preventive Care Included

After a three month waiting period, you pay $35 for the doctor visit with Copay Select. X-rays and lab tests are covered after you pay your chosen coinsurance (0%, 20%, or 30%).

Prescription Drug Card Benefits

• Tier 1 drugs – $15 copay
• Tier 2-4 drugs – combined $200 deductible per person, per calendar year, then:
  • $35 co-pay for Tier 2 drugs
  • $65 co-pay for Tier 3 drugs
  • 25% coinsurance (you pay) for Tier 4 drugs

Comprehensive Coverage for Inpatient and Outpatient Medical Expenses

• You choose $3 million or $5 million lifetime maximum benefit per covered person
• Covered inpatient and outpatient expenses are reimbursed after your chosen coinsurance and deductible

Copay Saver

The Copay Saver plan provides the convenience of co-pays for doctor office visits (limited to 2 visits per person, per calendar year) for a lower monthly premium