Comprehensive outpatient copay
Unlike copays that cover only the physician office visit, the Partners Plus
comprehensive outpatient copay includes x-ray, lab, CT scans, MRIs, injections
and outpatient surgery up to $500 per visit.
Employee choice
Combine a copay plan with an HSA-qualifying plan in the same group.
$5 million lifetime maximum
The lifetime maximum per covered person is $5 million.
Forced providers in-network
Understanding that a covered person cannot select an anesthesiologist when
being wheeled to the operating room, Partners Plus covers this type of 'forced
provider'
in-network when care is received at a network facility.
Wraparound network
While traveling out of state, employees on a PPO plan have access to a national 'wraparound' network.
Outpatient Prescription drug card
Most plans include 4 different outpatient prescription options.
| Benefits | Choice Plus | Economy Plus | One Deductible Plus |
|---|---|---|---|
| Outpatient copay | Yes, $20 or $30 | Yes, $20 or $30 | Yes, $20, $30 or no copay for HSA-qualified plans |
| Diagnostic lab tests | 100%, no copay, deductible or coinsurance with a LabOne provider | 100%, no copay, deductible or coinsurance with a LabOne provider | Subject to copay, if elected, or deductible and coinsurance |
| Wellness benefits | After copay, 100% up to $500 max per person per calendar year | Optional benefit: After copay, 100% up to the max benefit of $250 or $500 per person per calendar year | Optional benefit: After copay, 100% up to the max benefit of $250 or $500 per person per calendar year |
| Deductible range | $500 - $5,000 | $1,000 - $5,000 | $1,250 - $10,000 for individuals, $2,500 - $20,000 for families |
| Coinsurance options | 90%, 80%, 70% or 60% | 80%, 70% or 60% | 100% or 70% |
| Out-of-pocket maximum, excluding deductible | Up to 6 out-of-pocket options based on selected coinsurance | Outpatient services and supplies: $2,000 Inpatient facility confinement and surgical services: $4,000 |
$0 for 100% plan $1,500 individual or $3,000 family for 70% plan |
Benefits/features listed are for in-network charges. Out-of-network benefits differ from in-network benefits. This is a brief description of some important features of the coverage. The product is not available in all states and benefits may vary based on state of residence. Please refer to the product brochure (IHCHS 1100 1008) for additional information. For a full explanation of benefits, exclusions and limitations refer to the Certificate of Coverage (MNL MMC 0205 or CLI MMC 0205). The Partners Plus plan is underwritten by Madison National Life Insurance Company, Inc. and in some states by Companion Life Insurance Company.
Compare the indemnity plans side by side
