- $0 for 3 visits per family member per condition
- 24/7/365 access any state
| - Typically requires a copayment (around $30-60 per visit)
- May limit access if out of state
| - $10-50 copay per visit
- May have limits on visits and if out of state
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- 800 free generic medications
- 80% off generic
- 15-25% off brands
- International mail and PAP available
| - Coverage varies on drug and pharmacy
- Usually needs a deductible
- May have exclusions and has exclusions
| - Lower copay for generics
- Higher for brand-name and has exclusions
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- Requires prior authorization
- Copay $30-50
| - Usually covers numerous sessions
- Higher out-of-pocket costs for out-of-network
| - Usually covers numerous sessions
- Higher out-of-pocket costs for out-of-network
|
- $25-40 copay for in-network; $50-100 for urgent.
- Referrals needed for specialists and visits are limited
| - $20-60 copay
- No referrals needed but higher costs for out-of-network and visits are limited
| - $20-60 copay
- No referrals needed but higher costs for out-of-network and visits are limited
|
- Covered at variable rates; copay may app
| - Typically covered with copay and deductible
| - $20-60 copay
- No referrals needed but higher costs for out-of-network and visits are limited
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- Custom negotiation through experts. Always the lowest price for in or out of network
| - Savings only on in-network providers limiting choices
| - Includes out of network choices at a higher cost
|