Selecting the right medical plan is an important decision; one that can impact your finances. It's important to consider how the plans are similar, where they differ in cost, and which one is the right fit for you.
Check with your employer to see which plans are available to you.
Coinsurance and/or Copayments
20% coinsurance after deductible for most services
Separate coinsurance applies to prescriptions
See plan page for details
40% coinsurance after deductible for most services
Separate coinsurance applies to prescriptions
See plan page for details
20% coinsurance after deductible for most services
Copayments apply to Emergency Room and prescriptions
See plan page for details
40% coinsurance after deductible for most services.
Copayments apply to Emergency Room and prescriptions
See plan page for details
20% coinsurance after deductible for most services
Copayments apply to Emergency Room, office visits and prescriptions
See plan page for details
40% coinsurance after deductible for most services
Copayments apply to Emergency Room, office visits and prescriptions
See plan page for details
Deductible
Individual
Family
Network
Individual: $1,650
Family: $3,300
Non-Network
Individual: $3,300
Family: $6,600
Network
Individual: $ 750
Family: $1,500
Non-Network
Individual: $1,500
Family: $3,000
Network
Individual: $1,250
Family: $2,500
Non-Network
Individual: $2,500
Family: $5,000
Medical OOP Maximum
Individual
Family
Network
Individual: $4,950
Family: $9,900*
Non-Network
Individual: $9,900
Family: $19,800
Network
Individual: $2,250
Family: $4,500
Non-Network
Individual: $4,500
Family: $9,000
Network
Individual: $3,750
Family: $7,500
Non-Network
Individual: $7,500
Family: $15,000
Prescription OOP Maximum
Individual
Family
Network
Combined with Medical
Non-Network
Combined with Medical
Network
Individual: $4,150
Family: $8,300
Non-Network
No Maximum
Network
Individual: $4,150
Family: $8,300
Non-Network
No Maximum
* Any individual family member need only incur a maximum of eight thousand seven hundred dollars ($8,700) before the plan begins paying one hundred percent (100%) of covered charges for that individual.
All three of MCHCP’s medical plans offer the same benefits, such as:
While the benefits are the same in all three medical plans, premium, deductible and out-of-pocket (OOP) costs vary. Because each member has different medical needs, the best plan choice may differ from person to person. Take the time to consider your situation and review the plans closely. It may help determine which plan is the right fit for you. (See also: Non-Contraception Benefit Option.)
The member pays the deductible, copayments and coinsurance amounts until OOP maximum is reached. There are separate deductibles and OOP maximums for network and non-network services.
For more detailed plan information, visit the individual plan page:
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