2017-2018 Medical Plans PLAN VARIATIONS HIGHLIGHTED IN RED/WHITE
BIRCH* In-Network, You pay
CEDAR*
Out-of-Network, you pay
In-Network, You pay
DOGWOOD*
Out-of-Network, you pay
In-Network, You pay
EVERGREEN* (H.S.A Required)
Out-of-Network, In-Network, You Out-of-Network, you pay pay you pay²
Plan-year costs Deductible per person / family
$800 / $2,400
$1,600 / $4,800 $1,200 / $3,600 $2,400 / $7,200 $1,600 / $4,800 $3,200 / $9,600 $1,600 / $3,2002 $3,200 / $6,4002
Out-of-pocket maximum per person
$4,000
$8,000
$5,000
$10,000
$6,850
$13,700
$6,5502
$13,1002
Out-of-pocket maximum per family
$12,000
$24,000
$13,700
$27,400
$13,700
$27,400
$13,1002
$26,2002
Maximum cost share per person (Includes OOP, ACT, and Rx)
$6,850
NA
$6,850
NA
$6,850
NA
NA
Maximum cost share per family (Includes OOP, ACT, and Rx)
$13,700
NA
$13,700
NA
$13,700
NA
NA
Wellness Visit (ages 21 and over) Must use Medical Home if enrolled in Synergy Network
$0¹
Not covered
$0¹
Not covered
$0¹
Not covered
$0¹
Not covered
Includes routine adult, well-child and women’s exams, annual obesity screening, immunizations, See Plan Handbook for additional Preventative Care Services.
$0¹
50%
$0¹
50%
$0¹
50%
$0¹
50%
Preventive Care
Incentive Care Services (for ashtma, heart conditions, cholesterol, high blood pressure, diabetes) Moda Health medical home incentive care
$15 copay¹
50%
$15 copay¹
50%
$15 copay¹
50%
20%
50%
Incentive office and home visits (Synergy)
see above
50%
see above
50%
see above
50%
see above
50%
Incentive office and home visits (Connexus)
20%1
50%
20%1
50%
20%1
50%
20%1
50%
Moda Medical Home primary care services
$30 copay¹
50%
$30 copay¹
50%
$30 copay¹
50%
20%
50%
Primary care office visits (Synergy)
see above
50%
see above
50%
see above
50%
see above
50%
20%
50%
20%
50%
20%
50%
20%
50%
Office Services
Primary care office visits (Connexus)
Specialist office visits
20%
50%
20%
$50¹
Urgent Care
50%
20%
$50¹
50%
20%
$50¹
50% 20%
Mental Health Services Mental health office visits
$30 copay¹
50%
$30 copay¹
50%
$30 copay¹
50%
20%
50%
Mental health inpatient and residental services
20%
50%
20%
50%
20%
50%
20%
50%
Chemical dependency services (inpatient, outpatient, residential)
$0¹
50%
$0¹
50%
$0¹
50%
20%
50%
Outpatient surgery/facility care Outpatient Rehabilitation (physical,
20%
50%
20%
50%
20%
50%
20%
50%
occupational & speech therapy) Moda Plans: 30 sessions per plan year/60 for spinal or head injury
20%
50%
20%
50%
20%
50%
20%
50%
$0¹ 20%
50% 50%
$0¹ 20%
50% 50%
$0¹ 20%
50% 50%
$0¹ 20%
50% 50%
20%
50%
20%
50%
20%
50%
20%
50%
$100 copay + 20%
$100 copay + 50%
$100 copay + 20%
$100 copay + 50%
$100 copay + 20%
$100 copay + 50%
20%
50%
Outpatient Servcies
Tests (outpatient) Preventative tests Laboratory X-ray, imaging, and special diagnostic procedures CT, MRI, PET scans
Alternative Care Services ($2,000 combined maximum) Acupuncture, Chiropractic & Naturopathic Services, labs, diagnostics etc. Cost of supplies &
20%
50%
20%
50%
20%
50%
20%
50%
Outpatient Maternity Care
20%
50%
20%
50%
20%
50%
20%
50%
Physician or midwife services & hospital stay, delivery & routine newborn nursery care
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
20%
50%
procedures performed in Alternative Care Provider's office applies to Alternative Care Benefit Maximum
Maternity Care
Hospital Services Inpatient care/surgery Skilled nursing facility care. Plans: 60 days per plan year
Additional Cost Tier
Moda
$100 Additional Cost Tier (ACT): specified imaging (MRI, CT, PET), spinal injections, tonsillectomies for members under age 18 with chronic tonsilitis or sleep apnea, viscosupplementation, upper endoscopies, sleep studies, limbar discographies
$100 copay + 20%
$100 copay + 50%
$100 copay + 20%
$100 copay + 50%
$100 copay + 20%
$100 copay + 50%
20%
50%
$500 copay + 20%
$500 copay + 50%
$500 copay + 20%
$500 copay + 50%
$500 copay + 20%
$500 copay + 50%
20%
50%
$500 Additional Cost Tier (ACT): spine surgery, knee and hip replacement4, knee and shoulder arthroscopy, uncomplicated hernia repair
Emergency Services Emergency Room (copay waived if admitted)
$100 copay + 20%
$100 copay + 20%
$100 copay + 20%
20%
20%
20%
20%
20%
Ambulance
Other Covered Services Hearing Aides- $4,000 maximum benefit every 48 months for adults, see handbook for State mandated benefit for children.
10%
50%
10%
50%
10%
50%
20%
50%
Durable Medical Equipment (DME)
20%
50%
20%
50%
20%
50%
20%
50%
Bariatric Surgery (Roux-en-Y and $500 + 20% Not covered $500 + 20% Not covered $500 + 20% Not covered $500 + 20% Not covered gastric sleeve) * If enrolled in Moda plan using the Synergy network, you must select a Medical Home (primary care clinic) for each individual on the plan. Primary care must be performed at the designated Medical Home in order to receive the "In Network" benefit; if these services are performed outside the individual's selected Medical Home, they will be paid at the "Out-ofNetwork" benefit level. 1 Deductible Waived. 2 Individual deductible and out-of-pocket maximum apply to single coverage only. Family deductible and out-of-pocket maximum apply when two or more individuals are covered on the plan. This plan also includes an embedded per member OOP max, which is set at the individual OOP amount. Under this plan, deductible must be met before benefits will be paid (except where 1 indicates deductible waived). 3 For PPO plans, OOP max includes medical copayments and coinsurance. Pharmacy copays and coinsurance and ACT copayments will continue accuring towards Maximum Cost Share. For Summit/Synergy plans, OOP max includes medical copayments, coinsurance, as well as pharmacy copays and coinsurance. ACT copayments will continue accruing towards Maximum Cost Share limit. 4 Benefit is subject to a reference price limitation. This is not applicable to Summit/Synergy Plans. Deductibles and copayments apply to the annual out-of-pocket maximum. For limitations and exclusions, visit modahealth.com/oebb/members and refer to your Member Handbook. This document is for comparison purposes only and is not intended to fully describe the benefits of each Plan. Refer to your member handbook for more details of benefit coverage. In the case of a conflict between this comparison and your member handbook, the member handbook will prevail.
2017 - 2018 Prescription drug plan Alder, Birch, Cedar, Dogwood Medical Plans
Retail PPO You pay
Mail order
Synergy You Pay
PPO You pay
Synergy You Pay
Specialty PPO You pay
Synergy You Pay
Out of Pocket Maximum
Rx applies Rx applies Rx applies Rx applies Rx applies Rx applies toward plan toward plan toward plan toward Max toward Max toward Max OOP OOP OOP cost share cost share cost share Maximum Maximum Maximum
Value Tier
$4 per 31-day supply
$0
$8 per 90-day supply
$0
N/A
Select generic
$12 per 31-day supply
$8 per 31-day supply
$24 per 90-day supply
$16 per 90-day supply
N/A
Preferred
25% up to $75 per 31day supply
25% up to $50 per 31day supply
Non-preferred brand
50% up to 50% up to 50% up to 50% up to 50% up to 50% up to $175 per 31- $150 per 31- $450 per 90- $300 per 90- $500 per 31- $300 per 31day supply day supply day supply day supply day supply day supply
2017 - 2018 Prescription drug plan Evergreen (HSA) Medical Plan
Retail PPO You pay
Mail order
Synergy You Pay
PPO You pay
Synergy You Pay
Specialty PPO You pay
Synergy You Pay
Rx applies toward OOP Maximum
Out of pocket maximum
Value Tier
25% up to 25% up to 25% up to 25% up to $150 per 90- $100 per 90- $200 per 31- $100 per 31day supply day supply day supply day supply
$4 per 31day supply
$01
$81 per 90day supply
$01
NA
Select generic
20%
20%
NA
Preferred
20%
20%
20%
Non-preferred brand
20%
20%
20%
This document is for comparison purposes only and is not intended to fully describe the benefits of each Plan. Refer to your member handbook for more details of benefit coverage. In the case of a conflict between this comparison and your member handbook, the member handbook will prevail.
2017-2018 Dental Plans
Premier Plan 1
Premier Plan 5
Premier Plan 6
DELTA DENTAL PREMIER NETWORK
Exclusive PPO PlanΩ
Willamette Dental Plan 8 ‡
DELTA DENTAL PPO NETWORK
You must receive services at a Willamette Dental Office
Plan-year costs Dental Office Visit Copayment Benefit Maximum Deductible
NA
NA
NA
NA
$20 3*
$2,200 $50
$1,700 $50
$1,200 $50
$1,500 $50
NA NA
Preventive and Diagnostic Services *- Deductible Waived for Preventive and Diagnostic Services on Delta Dental Plans Oral exams, X-rays, cleanings (prophylaxis), flouride treatments and space maintainers
70% + 10% each Plan Year
70% + 10% each Plan Year
100%
100%
100% *
70% + 10%1 each Plan Year
70% + 10% 1 each Plan Year
80% 1
90% 1
100% *
70% + 10% each Plan Year
70% + 10% each Plan Year
80%
90%
100%*
70% + 10% each Plan Year
70% + 10% each Plan Year
80%
90%
100%*
70% + 10% each Plan Year
70% + 10% each Plan Year
80%
90%
100%*
70% + 10% each Plan Year
70% + 10% each Plan Year
80%
90%
100%*
Restorative Services* Routine fillings, inlays and stainless steel crowns
Simple Extraction* Simple tooth extractions
Oral Surgery * Surgical tooth extractions, including diagnosis and evaluation
Periodontics * Diagnosis, evaluation and treatment of gum disease including scaling and root planing
Endodontics * Root canal and related therapy including diagnosis and evaluation.
Major Restorative Services* Gold or porcelain crowns and onlays Implants
70% + 10% each Plan Year 70% + 10% each Plan Year
70%
50%
80%
100%*
50%
50%
80%
See Certificate of Coverage for copays
50% up to $150 maximum, once every 5 years
50% up to $150 maximum, once every 5 years
50% up to $150 maximum, once every 5 years
50% up to $150 maximum, once every 5 years
100% 4
50%
50%
50%
50%
$100*
50%
50%
80%
100%*
50%
50%
80%
100%*
NA
80% to $1,800 lifetime max
$1,500 copay + $20 per visit**
Other covered services* Occlusal Guards (night guards) Athletic Mouth Guards
Fixed and Removable Prosthetic Services * Full and partial dentures, relines, rebases Bridge retainers and pontics
70% + 10% each Plan Year 70% + 10% each Plan Year
Orthodontic Services* (all plans except Delta Dental Plan 6) Orthodontic Treatment
80% to $1,800 lifetime max
80% to $1,800 lifetime max
Under Delta Dental Plans 1 & 5, benefits start at 70% the first plan year then increase by 10% each plan year (up to a maximum of 100%) provided the individual has visited the dentist at least once during the previous plan year. Switching between incentive plans (1 an 5) and non-incentive plans will have an effect on benefit level. ‡ For Willamette Dental Plan: Services must be provided by a Willamette Dental Group provider in order for benefits to be payable. See handbook for details. Ω The Delta Dental Exclusive PPO plan has no out-of-network benefit. Services performed by providers outside the Delta Dental PPO network are not covered unless for a dental emergency. Covered emergencies consist of problem focused exam, palliative treatment and x-rays. All other services are considered non-covered. * For Willamette Dental Group Plan: Office visit copayment applies at each visit, in addition to any plan copayments for services. ** Pre-orthodontic Service fee of $150 is credited toward the orthodontic benefit if patient accepts treatment plan. 1. Posterior fillings paid to amalgam fee. 3. The office visit copayment is waived for participants in the Chronic Condition Dental Management program for specific preventative services. 4. Replacement of lost or stolen appliance once every 2 years, replacement or repair of broken appliance as needed.
This document is for comparison purposes only and is not intended to fully describe the benefits of each Plan. Refer to your member handbook for more details of benefit coverage. In the case of a conflict between this comparison and your member handbook, the member handbook will prevail.
2017-2018 Vision Plans
Opal
Pearl
VSP Choice Plus
VSP Choice
$600*
$400*
NA
NA
Plan pays 100% (up to plan maximum)
Plan pays 100% after $10 copay
Plan pays 100% after $10 copay
Once per plan year
Every 12 months
Every 12 months
Plan-year costs Plan Year Maximum
Routine Eye Exam Benefit: Frequency:
Lenses (either one pair of lenses or contacts) $20 copay (applied towards lenses and frame): Glass or
$20 copay (applied towards lenses and frame): Glass or
plastic single vision, line bifocal, lined plastic single vision, line bifocal, lined trifocal or lenticular lenses covered in trifocal or lenticular lenses covered in full. Polycarbonate lenses, scratch full. Scratch resistant and UV resistant and UV coatings covered coatings covered in full in full
Basic lens benefit:
Plan pays 100% (up to plan maximum)
Lens enhancements
Plan pays 100% (up to plan maximum)
$15 copay for anti-reflective coating or progressive lenses
Discounts for polycarbonate, anti-reflective coating or progressive lenses
Once per plan year
Once every 12 months
Once every 12 months
Frequency:
Frames / Contacts Benefit:
Frequency:
Plan pays 100% (up to plan maximum) Frames: Age 0-16: Once per Plan Year; Age 17+: Once every two plan years Contacts: Once per Plan Year
Covered in full up to retail Covered in full up to retail allowance of $300; 20% off allowance of $150; 20% off amount over retail allowance amount over retail allowance for frames for frames Once every 12 months
Once every 12 months
* Exam and hardware charges all apply to the Plan Year maximum on Moda Plans This document is for comparison purposes only and is not intended to fully describe the benefits of each Plan. Refer to your member handbook for more details of benefit coverage. In the case of a conflict between this comparison and your member handbook, the member handbook will prevail.
