Insurance Type | ACA (Obamacare) |
Plan Name | PPO 4000 - Flex |
Plan ID | hhs-36046MA0790048 |
Plan Year | 2021 |
Insurance Provider | Harvard Pilgrim |
Metal Level | Silver |
Plan Type | PPO |
Deductible | $4,000 |
Out-of-Pocket Maximum | $8,000 |
Plan Highlights |
Costs for Medical Care | |
---|---|
Primary Care Visit to Treat an Injury or Illness | $50 Copay after deductible |
Specialist Visit | $50 Copay after deductible |
Laboratory Outpatient and Professional Services | No Charge |
X-rays and Diagnostic Imaging | $75 Copay after deductible |
Diagnostic Imaging such as MRIs, CT, and PET scans | $300 Copay |
Deductible - Family | $8000 per group |
Out-of-Pocket Maximum - Family | $16000 per group |
Prescription drug coverage | |
---|---|
Generic Drugs | $5 Copay |
Preferred Brand Drugs | $85 Copay |
Non-Preferred Brand Drugs | $110 Copay |
Specialty Drugs | 10.00% Coinsurance |
Access to doctors and hospitals | |
---|---|
Provider directory URL | http://www.providerlookuponline.com/Harvardpilgrim/po7/Search.aspx |
Does this plan have access to a national provider network? | Yes |
Is a referral required to see a Specialist? | Not Covered |
Does this plan cover services outside plan service area? | Yes - All Covered Benefits except for Emergency Care are covered at the Out of Network Cost Sharing. |
Does this plan cover services outside the country? | Yes - All Covered Benefits except for Emergency Care are covered at the Out of Network Cost Sharing. |
Hospital services | |
---|---|
Emergency Room Services | $350 Copay after deductible |
Inpatient Hospital Services (e.g., Hospital Stay) | $500 Copay per Stay after deductible |
Inpatient Physician and Surgical Services | No Charge after deductible |
Emergency Transportation or Ambulance Service | No Charge after deductible |
Maternity | |
---|---|
Prenatal and Postnatal Care | No Charge |
Delivery and all inpatient services for maternity care | $500 Copay after deductible |
Mental Health | |
---|---|
Mental/Behavioral Health Outpatient Services | $50 Copay after deductible |
Mental/Behavioral Health Inpatient Services | $500 Copay per Stay after deductible |
Substance use disorder outpatient services | $50 Copay after deductible |
Substance use disorder inpatient services | $500 Copay per Stay after deductible |
Medical Management Programs | |
---|---|
Does this plan offer disease managment programs? | Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy, Weight Loss Programs |
Does this plan offer a wellness program? | Included |
Vision Coverage | |
---|---|
Routine Eye Exam for Children | Included |
Eye Glasses for Children | Included |
Routine Eye Exam for Adults | Included |
Child Dental Coverage | |
---|---|
Child Dental Coverage - Routine Dental Care | Included |
Child Dental Coverage - Basic Dental Care | Included |
Child Dental Coverage - Orthodontia | Included |
Child Dental Coverage - Major Dental Care | Included |
Adult Dental Coverage | |
---|---|
Adult Dental Coverage - Routine Dental Care | Not Covered |
Adult Dental Coverage - Basic Dental Care | Not Covered |
Adult Dental Coverage - Orthodontia | Not Covered |
Adult Dental Coverage - Major Dental Care | Not Covered |
Exclusions and Limitations | |
---|---|
More Included Benefits | Other Practitioner Office Visit (Nurse, Physician Assistant) Preventive Care/Screening/Immunization Acupuncture Bariatric Surgery Infertility Treatment Imaging (CT/PET Scans, MRIs) Outpatient Surgery Physician/Surgical Services Urgent Care Centers or Facilities Inpatient Physician and Surgical Services Home Health Care Services Durable Medical Equipment Hospice Services Chiropractic Care Routine Foot Care Non-Emergency Care When Traveling Outside the U.S. Diabetes Care Management Abortion for Which Public Funding is Prohibited Accidental Dental Allergy Testing Chemotherapy Diabetes Education Dialysis Infusion Therapy Laboratory Outpatient and Professional Services Nutritional Counseling Prosthetic Devices Radiation Reconstructive Surgery Rehabilitative Speech Therapy Transplant Well Baby Visits and Care Bone Marrow Transplants for Treatment of Breast Cancer Cardiac Rehabilitation Clinical Trials Congenital Anomaly, including Cleft Lip/Palate Contraceptive Services Early Intervention Services Hormone Replacement Therapy (HRT) Human Leukocyte Antigen Testing Hypodermic Syringes or Needles Nutrition/Formulas Off Label Prescription Drugs Childbirth Classes Fitness Club Reimbursement Low Protein Foods Minor Dental Care - Child Retail Health Clinics Outpatient Facility Fee (e.g., Ambulatory Surgery Center) Inherited Metabolic Disorders - PKU |
More Limited Benefits | Skilled Nursing Facility Hearing Aids Weight Loss Programs Outpatient Rehabilitation Services Habilitation Services Dental Check-Up for Children Inpatient Rehabilitation Services Rehabilitative Occupational and Rehabilitative Physical Therapy Treatment for Temporomandibular Joint Disorders Wigs |
More Excluded Benefits | Cosmetic Surgery Private-Duty Nursing Long-Term/Custodial Nursing Home Care |
Premium | Plan Name | Deductible | |
---|---|---|---|
from $384 | Select Advantage HMO 4000 | $4,000.00 | Select |
from $402 | Complete HMO 4000 10% with Care Complement | $4,000.00 | Select |
from $455 | Premier Silver Saver PPO 4000 | $4,000.00 | Select |
from $473 | Complete PPO Plus 4000 10% with Care Complement | $4,000.00 | Select |
from $1,316 | HMO 4000 - Flex | $4,000.00 | Select |
ObamaCare’s Silver Plan is a type of Metal Plan on the Health Insurance Marketplace. Silver Plans qualify for both Tax Credits and Cost Sharing subsidies.Silver Plans have lower out-of-pocket costs than Bronze Plans but higher out- of-pocket costs than both Gold and Platinum Plans. All Silver Plans share the same minimum health benefits, but the way they charge out-of-pocket costs can differ significantly.
The fundamental difference among the new Obamacare health plans is the percentage of covered medical costs paid by the health plan. The Silver Plan pays 70% of covered medical costs for a typical enrollee. Silver Plans are also the only metal plans which offer cost-sharing reduction (CSR) versions to consumers that require financial assistance for out-of-pocket costs.
The monthly premium for a Silver Plan depends on the insurer from whom you purchase the plan, the number of people to be insured by the plan, your age, whether you smoke, and the region in which you live. You can use HealthPocket’s comparison tool to compare Silver Plan premiums in your area.
The Open Enrollment period for the 2018 Affordable Care Act health plans begins November 1, 2017 and ends December 15, 2017. See our Open Enrollment article for more information.
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HealthPocket.com is a free information source. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. While on our site, if you click on a plan or link, you may be directed to one of our partners who offers health insurance products. HealthPocket, Inc. is part of the Benefytt Technologies, Inc. family of companies.
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