Example: PPO 2 Single Plan

Your Costs in Network

2013

Deductible

$300

Co-insurance     (total OOP Limit)

$1,000

OOP & your deductible

$1,300  - plan now pays 100%

PLUS Co-pays (office visits, specialists)

Did not apply to OOP

 

Your Costs in Network

2014

Total OOP limit: deductible, co-insurance & co-pays

$1500 – plan now pays 100%

Example: PPO 2 Family Plan

Your Costs in Network

2013

Deductible

$600

Co-insurance

$2,000

OOP limit & your deductible

$2,600 – plan now pays 100%

PLUS Co-pays (office visits, specialists)

Did not apply to OOP

 

Your Costs in Network 

2014

Total OOP limit: deductible, co-insurance & co-pays

$3,000 – plan now pays 100%