Asuris Emerge Plus SM |
| |
Individual |
Family |
What you should know |
Annual Deductible
(choose one; based on calendar year) |
$1,000, $2,500, $5,000, or $7,500 |
Family deductible is three times the individual deductible |
Your deductible is the dollar amount you pay in a calendar year before the plan pays covered benefits. Not all benefits apply toward the deductible. Some benefits require a copay or other cost-sharing
amount. |
| Annual coinsurance maximum |
$5,500 |
$16,500 |
Applies to all covered expenses except where noted.
Once you reach this amount, Asuris pays 100% |
| Lifetime Maximum |
No Overall Lifetime Maximum |
This is the highest dollar amount we will pay toward all health care services during your lifetime under this plan. |
| Percentages and copays shown are what you pay for each covered event. The percentages shown are what you pay after you have met your deductible, unless otherwise noted. |
Provider Type |
Category 1
(Preferred) |
Category 2
(Participating) |
Category 3
(Non-contracted)
(Member may be responsible for any provider costs above the Category 3 allowed amount) |
Upfront Office Visits
(Injury and Illness)
First four per calendar year
Not subject to deductible |
$25 copay |
$25 copay |
$25 copay |
Other Professional Services
Deductible applies after upfront benefit limits are met. Office and inpatient services and supplies
|
20% |
50% |
50% |
Other Outpatient Radiology and Laboratory
Deductible applies after upfront benefit limits are met |
Complex Outpatient Imaging (CT Scan, MRI, PET, MRA, SPECT, Bone Density)
|
50% |
50% |
50% |
Hospital Services/Ambulatory Surgical Center
Inpatient and outpatient services and supplies |
20% |
50% |
50% |
| Maternity Care |
20% |
50% |
50% |
Emergency Room Services
$100 copay per ER visit (waived if directly admitted) |
20% |
20% |
20% |
Ambulance Services
Air and ground ambulance to nearest facility |
Preventive Care and Immunizations
Not subject to the deductible |
0% |
0% |
Standard Category 3 Benefits Apply |
Genetic Testing
$5,000 per lifetime maximum benefit (this limit does not apply to prenatal testing). Deductible applies after upfront benefit limits are met |
20% |
50% |
50% |
Home Health
130 visits per calendar year |
20% |
50% |
50% |
Hospice
Respite care limited to 14 days inpatient/outpatient per lifetime |
20% |
50% |
50% |
| Mental Health Treatment |
20% |
50% |
50% |
Acupuncture
Six visits per calendar year maximum benefit |
20% |
50% |
50% |
Spinal Manipulations
10 spinal manipulations per calendar year maximum benefit |
20% |
50% |
50% |
Durable Medical Equipment
$2,500 per calendar year maximum benefit (limit does not apply to insulin pumps/supplies and lifesaving equipment such as oxygen and ventilators) |
20% |
50% |
50% |
Orthotics
$500 per calendar year maximum benefit (this limit does not apply to diabetic orthotics) |
20% |
50% |
50% |
Prostheses
$2,500 per calendar year maximum benefit (this limit does not apply to surgically implanted and external breast prostheses) |
20% |
50% |
50% |
Rehabilitation Services
Inpatient: $8,000 per calendar year maximum benefit
Outpatient: $1,500 per calendar year maximum benefit |
20% |
50% |
50% |
Skilled Nursing Facility
30 inpatient days per calendar year |
20% |
50% |
50% |
Transplants
$350,000 lifetime maximum benefit; includes donor costs |
20% |
50% |
50% |
Vision
Routine eye exam and hardware covered to a combined $150 per calendar year maximum; not subject to deductible or coinsurance maximum |
20% |
50% |
50% |
Breast Reduction, Eye Lid Surgery, Varicose Vein Surgery
$2,500 per lifetime maximum benefit |
50% |
50% |
50% |
*Prescription Medication Coverage
|
$10 copay for generics
$500 deductible, 50% coinsurance for brand formulary only.
$2,500 per calendar year maximum for all drugs (including contraceptives) (No benefit
limit for diabetic drugs and supplies).
We cover certain preventive medications according to United States Preventive Services Task Force (USPSTF) guidelines at 100%, no deductible, no copay at
participating pharmacies only. Member must have a prescription.
|
Optional Benefits Available
(Optional benefits that are not elected are excluded from coverage) |
Dental Option I
Incentive Dental Plan
$750 per calendar year maximum benefit. When you incur services less than $500, your calendar year maximum may be increased by
$250 for the following year. |
Emerge Plus
Member Responsibility |
What you should know |
No deductible and 0% for Preventive dental care
$50 deductible per calendar year for Basic and Major Care
20% for Basic care
50% for Major care |
Waiting Periods: 6 months for Basic Services and 12 months for Major Services. |
Dental Option II
Dollar-Based Dental Plan
$750 per calendar year maximum benefit (Preventive, Basic and Major services combined) |
No deductible
0% for the first $200 of covered services then 50% up to the annual maximum |
Waiting Periods: 6 months for all covered services |
Additional Information |
| Waiting Periods |
No benefits are provided for treatment relating to a transplant until the member has been covered under this or a prior plan for 12 consecutive months. There is
a nine month waiting period that must be met prior to benefits being available for pre-existing conditions. Members may receive credit from prior medical coverage. Pre-existing condition waiting
periods do not apply to Members up to age 19. |
| Outside the Service Area |
Through arrangements with our affiliates in Washington, Oregon, Idaho and Utah, members can access all levels of providers and payment in those states as if in
the home service area. Outside those four states, members have the security of knowing they can access providers across the country. Through the Asuris Preferred Network, members receive Category
1 coverage with thousands of providers nationwide, discounted services, balanced-billing protection, and nationwide provider search capability. When you're an Asuris Northwest Health member, you
take your benefits with you. |
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