At-a-glance benefit comparison

Compare the value, standard and high option's benefits using the chart below. All plans give you the same access to care and membership benefits.

2025 plan benefits

Deductible

$1,500 single $3,000 family
Value plan
$350 single
$700 family
Standard plan
$0 single
$0 family
High plan

Your medical-only deductible is the amount you pay before the health plan starts to pay for certain services. Some services have a copayment before you meet your deductible. 

Primary care visits

$10 copayment
Value plan
$15 copayment
Standard plan
$10 copayment
High plan

This is the amount you can expect to pay at your primary care doctor, before and after you meet your deductible. 

Virtual care 

Covered in full
Value plan
Covered in full
Standard plan
Covered in full
High plan

Virtual care is great option when you have a non-life-threatening condition but can't wait for a doctor's appointment. The best part? We cover in-network virtual care in full which means you won't pay anything out-of-pocket to receive care. 

Specialist visits

$35 copayment*
Value plan
$45 copayment
Standard plan
$35 copayment
High plan

*Deductible applies

Urgent care visit

$75 copayment*
Value plan
$75 copayment
Standard plan
$75 copayment
High plan

*Deductible applies

Allergy testing, serum & injections

Covered in full
Value plan
Covered in full
Standard plan
Covered in full
High plan

Covered in full means you will pay nothing out-of-pocket for these services when you receive care.

Outpatient services

10% coinsurance
Value plan
20% coinsurance
Standard plan

Covered in full
High plan

Coinsurance is your portion of the cost for the medical service. The standard and value plan coinsurance applies after you meet your deductible.

Inpatient and outpatient labs & X-ray services

10% coinsurance
Value plan
20% coinsurance
Standard plan
10% coinsurance
High plan

Coinsurance is your portion of the cost for the medical service. The standard and value plan coinsurance applies after you meet your deductible.

Emergency room

$200 copayment*
Value plan
$200 copayment*
Standard plan
$200 copayment
High plan

Copayment waived if admitted.
*Deductible applies.

Ambulance services

$150 copayment*
Value plan
$150 copayment*
Standard plan
$150 copayment
High plan

*Deductible applies.

Prescription drugs - value plan

Generic
$20 copayment
Preferred brand
$60 copayment
Non-preferred brand
$90 copayment
Preferred specialty: 20% coinsurance ($200 limit for 31-day supply)
Non-preferred specialty: 20% coinsurance ($400 limit for 31-day supply)

Use our online Approved Drug List to search by drug name, see what drugs your plan covers and check what your copayment will be.

Prescription drugs - Standard plan

Generic
$20 copayment
Preferred brand
$60 copayment
Non-preferred brand
$90 copayment

Preferred specialty: 20% coinsurance ($200 limit for 31-day supply)
Non-preferred specialty: 20% coinsurance ($400 limit for 31-day supply)

Use our online Approved Drug List to search by drug name, see what drugs your plan covers and check what your copayment will be.

Prescription drugs - High plan

Generic
$15 copayment
Preferred brand
$50 copayment
Non-preferred brand
$80 copayment

Preferred specialty: 20% coinsurance ($150 limit for 31-day supply)
Non-preferred specialty: 20% coinsurance ($300 limit for 31-day supply)

Use our online Approved Drug List to search by drug name, see what drugs your plan covers and check what your copayment will be.

Prior deductible carryover

No
Value plan
Yes
Standard plan
Not applicable
High plan