Innovations Overview

Healthy employees are good for everyone. When you are healthy and productive that benefits you and your company. Innovations is one of our popular health plans for both small and large employers because it offers three deductible plans and keeps people on the road to optimum health.

Did You Know?

Our Innovations plan pays the first $600 each year for accident related health care services and has a first $500 office visit benefit.

Deductible

We offer three separate deductibles within the Innovations Plan. Choose the low $500 in network deductible and $1,000 for out of network or the $1,000 in network deductible and $2,000 our of network deductible. You may also select the $1,500 deductible for in network and $3,000 deductible for out of network. Higher deductibles mean lower copayments. Click on the Outlines tab above to view the details.

Office Visit Copayment

For those who choose the $500 in network deductible your copayment is just 20 percent for in network medical care and 30 percent for out of network medical care. When you select the $1,000 in network deductible your copayment is 30 percent and and your out of network copayment is 40 percent. The $1,500 in network copayment has a 40 percent copayment and the $3,000 out of network payment has a 50 percent copayment.

Individual Out-of-Pocket Maximum

Because the Innovations Plan offers three deductible plans within a plan, the out of pocket depends on which deductible you've chosen. For example, a $500 in network deductible means you'll only pay $1,500 out of pocket and for out of network with a $1,000 deductible you'll only pay $3,000. See the Benefits tab above to learn more.

Preventive Care and Screening Services

Preventive care and screening services have been added to this benefit plan. You will receive well child care, breast cancer screenings, cervical, colorectal and prostate cancer screening along with cholesterol and lipid disorder screenings. These services are paid with deductible waived. See the Outline of Coverage for more details.

Emergency Care

When you have a medical emergency, cost should be the last thing on your mind. There's no guessing with the Innovations Plan. Depending on the deductible you select your coinsurance on emergency care can be as low as 20 percent for in network and 30 percent of out of network. See the Benefits tab above to learn more.

Download Outlines of Coverage