Plan Details
Plan Name OAP PPO 500
Effective Dates Jan 01, 2025 to Jan 01, 2026
Benefits In-Network Out-of-Network
Annual Deductible/Individual $500 $1,500
Annual Deductible/Family $1,500 $4,500
Coinsurance 10% 30%
Office Visit/Exam $20 deductible does not apply 30%
Outpatient Specialist Visit $40 deductible does not apply 30%
Annual Out-of-Pocket Limit/Individual $3,500 $10,500
Annual Out-of-Pocket Limit/Family $7,000 $21,000
Preventive Care 0% deductible does not apply 30%
Inpatient Hospitalization 10% 30%
Surgical Services Outpatient Facility Charge 10% 30%
Emergency Room $150 ,plus 10%; copay waived if admitted $150 ,plus 10%; copay waived if admitted
Urgent Care Facility $20 deductible does not apply 30%
Prescription Drug Deductible $0 $0
Prescription Drugs - Generic $15 for retail 30 days; $38 for retail 90 days; drug deductible does not apply Not Covered
Prescription Drugs - Brand (Formulary/Preferred) $30 for retail 30 days; $90 for retail 90 days; drug deductible does not apply Not Covered
Prescription Drugs - Brand (Non-Formulary/Non-preferred) $50 for retail 30 days; $150 for retail 90 days; drug deductible does not apply Not Covered
Prescription Drugs - Specialty $250 drug deductible does not apply Not Covered
Chiropractic Services $20 deductible does not apply; limited to annual max of 40 days; combined with Rehabilitation Services 30% limited to annual max of 40 days; combined with Rehabilitation Services
Acupuncture $20 deductible does not apply; limited to 12 days 30% limited to 12 days