Top local doctors
Your Local Plan is built around top doctors from a proven health system in your area.
With most plans, your doctor is
responsible for your overall health, and
they coordinate your care within the health care system.
Save money with either the lowest cost per paycheck or the lowest deductible available in your area.
You’ll get 100% coverage for preventive care when you visit doctors in your network. Preventive care includes things like annual checkups, vaccinations, mammograms, and other routine tests to help keep you well.
Copays make it easy to plan for medical costs. Plus, you don’t have to meet your deductible first.
You’ll pay the full cost for any additional care you receive until you meet your deductible. After that, the plan pays 75% of all in-network costs.
One exception: The Centers of Excellence program provides 100% coverage for many serious medical procedures like spine surgery and heart surgery.
All generic prescriptions are just $4 at a Walmart or Sam’s Club pharmacy.
Your annual deductible is the amount you’ll have to spend each year before the plan starts paying 75% of the cost. The amount depends on your plan:
Keep in mind that Local Plans with higher deductibles also have the lowest cost per paycheck — so you’ll save one way or the other.
There’s a $300 copay for ER services. You also have to meet your annual deductible before coverage kicks in. If you’ve already met the deductible, you’ll pay just the $300 copay.
The maximum amount you can spend out of pocket is $6,850 for you or $13,700 for your family. Once you reach this amount, all your in-network visits and other costs will be covered at 100%.
To get a breakdown of your costs, see our Compare Plans page.
Keep in mind that the Local Plans with a higher cost also have the lowest deductibles — so you’ll save one way or the other.
When it’s time, enroll online.
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