Now you can have health insurance without giving up something else to
pay for it. RightStartSM is the health insurance
plan that gives you the everyday benefits you and your family value —
like a visit to the doctor or help paying for a prescription. And, if
you need more serious care, there's protection for that too.
Some health insurance plans offer richer coverage, but it comes at a richer
price. RightStartSM brings you and your
family health insurance for as much as 50% off the price of other popular
plans. And you have access to quality health care facilities and doctors.
It's the access you want and the price you need - right now.
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Deductible options
Annual amount you pay before benefits are paid
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$500, $1,000 and $2,500 for individual.
Family deductible is three times the individual deductible (family = 3 or more people).
Individual non-network deductible is plan deductible + $1,000.
Family non-network deductible is three times the individual non-network deductible.
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Coinsurance options |
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50% or 75%
Non-network coinsurance is network coinsurance less 20%. |
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Coinsurance out-of-pocket maximum
Total out-of-pocket maximum equals coinsurance maximum plus deductible |
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$2,000 when you choose 50% coinsurance.
$3,000 when you choose 75% coinsurance.
Individual non-network out-of-pocket maximum is $8,000 for both coinsurance options.
Family non-network out-of-pocket maximum is $16,000 for both coinsurance options. |
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Doctor Office Copay (DOC)
Optional benefit |
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$25 per visit up to 2 visits per person each calendar year. |
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Annual Maximum
$50,000 and $250,000 options also available |
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$100,000 per year |
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Outpatient services maximum
$5,000 and $10,000 options also available |
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$2,500 per year (Available with $50,000 and $100,000 annual maximums) (Additional options available with $100,000 and $250,000 annual maximums) |
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Prescription drugs maximum
Annual maximum amount available as buy-up option |
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$2,000 limit per person each year
Generic: $15 copay / No deductible
Brand: $25 copay + 50% coinsurance / $500 deductible.
(If you choose brand when generic is available, you will pay the difference.) |
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Lifetime maximum |
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$2 million |
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Accident Medical Expense (AME)
Optional benefit |
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$300, $500 or $1,000 |
This plan information contains a general summary
of benefits. Please refer to the certificate of coverage for actual terms and conditions.
