Plan Details
Plan Name Deductible HMO (Northern CA)
Effective Dates Jan 01, 2026 to Jan 01, 2027
Benefits In-Network
Annual Deductible/Individual $750
Annual Deductible/Family $1,500
Coinsurance 20%
Annual Out-of-Pocket Limit/Individual $3,000
Annual Out-of-Pocket Limit/Family $6,000
Office Visit/Exam $25 /visit, deductible does not apply
Preventive Care 0% deductible does not apply
Preventive Screenings 0% deductible does not apply
Well-Child Care 0% deductible does not apply
Well Woman Exams 0% deductible does not apply
Immunizations 0% deductible does not apply
Mammograms 0% deductible does not apply
Adult Periodic Exams with Preventive Tests 0% deductible does not apply
Outpatient Specialist Visit $25 /visit, deductible does not apply
Urgent Care Facility $25 /visit, deductible does not apply
Emergency Room 20%
Inpatient Hospitalization 20%
Semi-Private Room & Board; Including Services and Supplies 20%
Surgical Services Outpatient Facility Charge 20%
Chiropractic Services $25 ; 30 visit limit / year combined with acupuncture
Acupuncture $25 ; 30 visit limit / year combined with chiropractic
Outpatient Rehabilitative Physical Therapy $25 deductible does not apply
Durable Medical Equipment & Prosthetic Devices 20% for DME; Prosthetic Devices: 0%; deductible does not apply
Primary Care Physician Election Required Yes
Prescription Drug Deductible $0
Prescription Drugs - Generic $10 deductible does not apply
Prescription Drugs - Brand (Formulary/Preferred) $30 deductible does not apply
Prescription Drugs - Brand (Non-Formulary/Non-preferred) $30 deductible does not apply
Prescription Drugs - Specialty 20% up to $200 deductible does not apply
Prescription Drugs - Number of Days Supply 30 days
Prescription Drugs Mail Order - Generic $20 deductible does not apply
Prescription Drugs Mail Order - Brand (Formulary/Preferred) $60 deductible does not apply
Prescription Drugs Mail Order - Brand (Non-Formulary/Non-preferred) $60 deductible does not apply
Prescription Drugs - Specialty (Mail Order) Not Covered
Prescription Drugs Mail Order - Number of Days Supply 100 days