| Rating |
 |
 |
| Insurer |
 |
 |
| Plan Name |
OneDeductible |
Copay Select |
| Plan Type |
PPO Plan that is Health
Savings Account qualified and uses tPHCS, Sloan's Lake or
Great West PPO Networks |
PPO Plan with United
Healthcare Choice Plus PPO |
| Plan Highlights / In-Network
Benefits |
HSA Qualified Plans with
maternity option and coverage for single people and plans with a single family
deductible |
Optional Coverage at 80%
up to $2500 Maternity Benefit for years 1 & 2, $5000 for
years 3 & 4 and $7500 for years 5+. |
|
Prenatal and delivery
costs contribute towards separate maternity deductible and
100% coverage after maternity deductible is met. Choice
of separate maternity deductibles that range from $1000 to
$10,000. |
$35 Doctor Copays for
non-preventative visits with no cap on the number of visits |
|
PPO Network Discounts
and prescription drug discounts even before deductible is met
both for normal medical and maternity benefits,. |
$15 Rx Copay for
Generic; After separate $100 Rx Deductible, then $30/$60 copay
for Preferred/Non-preferred prescriptions |
|
Coverage for Age
Appropriate Child Wellness Exams through age 12; Mammogram,
Prostate Exam and Pap Exam all covered and not subject to
Deductible; $500 annual maximum wellness benefit does
not apply to child wellness, Mammogram, Prostate or Pap exams |
Wellness Benefits: Routine
history and exams at $35 Copay with maximum benefit of $300
annually. Child Immunizations for ages 0-18 covered at
80%, not subject to deductible, up to $300 annually.
Preventative . Mammogram, PSA and Pap Exams covered at
minimums required by State of Colorado. Mammogram and PSA test
covered not subject to deductible, Pap Exam covered subject to
deductible. |
|
Chiropractic benefits
subject to deductible. No Ambulance Cap. Can use funds
from Health Savings Account to help pay towards
maternity deductible, tax free! |
No cap on ground or air
ambulance benefit |
|
Prescriptions contribute
to plan deductible and are a covered benefit after deductible
is met |
Dental/Vision Discount
Plan Included in FACT Membership |
|
12-24 month rate guarantee
depending on deductible option selected |
12 month rate guarantee |
|
100/0, 80/20, 50/50
coinsurance options. Maternity has 100% coinsurance
in-network. |
Rates less attractive
outside metro
areas |
| Wait Period for Maternity Benefits |
90 days from policy's
effective date to when pregnancy can begin |
Maternity benefit
limited to $2500 during the first 24 months of policy |
| What's Missing |
Vision and Dental
Discounts available as option. Assurant also offers
copay plan options with maternity benefit as well |
Maternity benefit is
capped at maximum benefit for pregnancies unless there
are complications. |
| Pre-Existing Condition Options |
Standard/Rate/Exclude/Decline |
Standard/Exclude/Decline |
| Colorado Health Plan
Description for Benefit Details and Limitations: |
Colorado
Health Plan Description |
Colorado
Health Plan Description |
Aug 1st, 2008
Female: 31 years old |
$2850 Ded. with 100%
coinsurance in network |
$2850 Ded. with 100%
coinsurance in network |
$2850 Ded. with 100%
coinsurance in network |
$500 Ded with 80/20 coins
in-network |
$1000 Ded with 80/20 coins
in-network |
$2500 Ded with 80/20 coins
in-network |
|
Sample Monthly
Premiums for Denver, CO 80210 for healthy non-tobacco
user.
|
$105.11 plus $174.96 for $2500 maternity
deductible |
$105.11 plus $53.25 for $5000 maternity
deductible |
$105.11 plus $12.17 for $10,000 maternity
deductible |
$244.28 plus $106.40 for maternity benefit |
$182.78 plus $106.40 for maternity benefit |
$136.87 plus $106.40 for maternity benefit |
| Best
Price Guarantee |
Yes |
Yes |
| Insurer's Online Quotes &
Application Link |
Assurant
Instant
Quotes / Secure Online Application |
United
HealthCare Golden Rule Instant
Quotes / Secure Online Application |
* Best Price Guarantee:
Because health insurance rates are filed with and regulated by the
Colorado Division of Insurance, you won't find the plans we sell offered for less anywhere
else. If you buy from Colorado Health Insurance Brokers, another agent or directly from the health insurance company, you'll pay the same monthly premium for the same plan.
Ratings: These
ratings for our most popular HSA qualified health
insurance plans are purely subjective and based upon a number of
factors including caps and limits on maternity coverage, plan popularity, general customer
satisfaction and more. Review the policy and the Colorado Health
Plan Description for plan benefit details and
limitations.
Any overviews presented are intended to provide a brief outline of coverage. All terms and conditions of coverage, including benefits and exclusions, are contained in the Certificate, which shall control in the event of a conflict with this overview.
