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Major Carriers and High Deductible Health Plans
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Aetna
Get Prices for Health Plans from Aetna
PPO 2500
Vimo Editorial Profile
Aetna ’s PPO 2500 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for a small copay.
PPO 5000
Vimo Editorial Profile
Aetna’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50.
PPO 5000 with Dental
Vimo Editorial Profile
Aetna ’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50.
BlueCross BlueShield of Arizona
Get Prices for Health Plans from BlueCross BlueShield of Arizona
BluePreferred Basic Plan $2,500
Vimo Editorial Profile
BlueCross BlueShield of Arizona has three high-deductible "Basic PPO" plans under which your expenses will extend well beyond the deductible. Even after burning through your $2,500 deductible, you still have to pay $4,000 in coinsurance before the plan begins paying 100 percent of covered benefits. Until then, you'll pay 20 percent.
BluePreferred Basic Plan $5,000
Vimo Editorial Profile
BlueCross BlueShield of Arizona has three high-deductible "Basic PPO" plans under which your expenses will extend well beyond the deductible. Even after burning through your $2,500 deductible, you still have to pay $4,000 in coinsurance before the plan begins paying 100 percent of covered benefits. Until then, you'll pay 20 percent.
BlueePreferred Basic Plan $10,000
Vimo Editorial Profile
BlueCross BlueShield of Arizona has three high-deductible "Basic PPO" plans under which your expenses will extend well beyond the deductible. Even after burning through your $10,000 deductible, you still have to pay $4,000 in coinsurance before the plan begins paying 100 percent of covered benefits. Until then, you'll pay 20 percent.
Humana
Get Prices for Health Plans from Humana
HumanaOne Autograph HSA
Vimo Editorial Profile
HumanaOne's Autograph insurance line includes three health plans designed for health consumers interested in taking charge of their own well being. These plans qualify the holder for a Health Savings Account (HSA) tax-advantaged accounts that enable people to save pre-income tax dollars for future healthcare expenditures.
HumanaOne HSA
Vimo Editorial Profile
One of the most impressive features of HumanaOne is also a staple of every Humana plan: the excellent online health plan management tool that enables you to check status of claims, see how much you’ve spent on healthcare during the year and estimate the costs of common medical procedures, services and prescriptions. Browsing the online features of the plan, you realize Humana really gets the importance of the Internet in making consumer driven healthcare effective for participants.
HumanaOne Portrait Share Plus Rx Unlimited
Vimo Editorial Profile
HumanaOne's Portrait Share Plus Rx Unlimited plan offers the kind of top-tier benefits you'd expect from a gold-standard plan enjoyed by employees of a major corporation. You'll have easy access to providers and concierge-like services from your health plan that will make you feel pampered.
HumanaOne monogram
Vimo Editorial Profile
The HumanaOne monogram health plans offer rock-bottom premiums in exchange for extremely high deductibles. Intended for confident, healthy people who want coverage in the event of a medical catastrophe, but prize affordability more than anything else.
Individual Health Plan
Vimo Editorial Profile
Humana Individual Health Plan members have access to an excellent online health plan management tool that enables them to check status of claims, see how much they’ve spent on healthcare during the year and estimate the costs of common medical procedures, services and prescriptions. Browsing the online features of the plan, you realize Humana really gets the importance of the Internet in making consumer driven healthcare effective for participants.
Individual Health Plan with copay
Vimo Editorial Profile
Humana Individual Health Plan members have access to an excellent online health plan management tool that enables them to check status of claims, see how much they’ve spent on healthcare during the year and estimate the costs of common medical procedures, services and prescriptions. Browsing the online features of the plan, you realize Humana really gets the importance of the Internet in making consumer driven healthcare effective for participants.
PacifiCare
Get Prices for Health Plans from PacifiCare
HDHP $5,000/100 to 50
Vimo Editorial Profile
With a deductible of $5,000 and an out-of-pocket maximum of $5,000, the HDHP $5,000 pays 100 percent of covered expenses after you've burned through your deductible, making it a very easy policy to understand. That 100 percent coverage includes prescription drugs – even brand-name drugs.
PPO 70 to 50/5000
Vimo Editorial Profile
One of PacifiCare's SignatureOption plans, this features a high coinsurance fee. You will end up paying 40% coinsurance under this plan – something to keep in mind before you purchase it. The coinsurance maximum is $4,000. Added to the $5,000 deductible, you'll end up spending $9,000 before the plan really kicks in and pays 100 percent of covered expenses. The plan is close to bare bones, with no maternity coverage and no prescription drug benefits. But the premiums are rock bottom.
Celtic
Get Prices for Health Plans from Celtic
CeltiCare II Select PPO 80/20 $1,000
Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
CeltiCare II Select PPO 80/20 $1,500
Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
CeltiCare II Select PPO 80/20 $2,500
Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
CeltiCare II Select PPO 80/20 $5,000
Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
CeltiCare II Select PPO 80/20 $500
Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
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