Golden Rule Copay Saver Plan | My Michigan Health | individual and group insurance solutions

Golden Rule Copay Saver

Golden Rule Copay Saver Plan

Insurance Benefit Highlights	Copay Saver
Calender Year Deductible	$1500 $2500 $5000 $7500 or $10,000
Co-Insurance Choices	$3,000.00
Lifetime Maximum Benefit	$3 million
Initial Rate Guarantee	12 months
Physical (Illness & Injury)
Office Visit	$35 no deductible
Prescription Drugs	$15 Generic
Annual Maximum	Not applicable
Wellness/Preventive Care Benefits
Doctor Office Visit	$35.00
X-ray and lab	Not Covered
Child Immunizations	Not Covered
Preventative Mammogram, Pa Smear, PSA screen	20% after deductible
Outpatient Expense Benefits
X-ray and lab	20% after deductible
Facility/Hospital for Outpatient Surgery	20% after deductible
Surgeon, Assistant Surgeon, and Facility Fees	20% after deductible
Hemodialysys, Radiation, Chemotherapy	20% after deductible
Emergency Room Fees – Illness	You Pay: $500 copay if not admitted then 20%
Emergency Room Fees – Injury	You Pay: $500 copay if not admitted then 20%
Spine and Back Disorders	Not Covered
Mental and Nervous Disorders	Not Covered
Inpatient Expense Benefits
Room and Board	20% after deductible
Intensive Care Unit	20% after deductible
Operating Room	20% after deductible
Recovery Room	20% after deductible

Convenient Doctor Office Copay Benefits

Designed for individuals and families, our copay plans are more like traditional employer plans with a copayment for routine health-care expenses. When you use a network doctor for an office visit, we pay 100% for history and exam. When you use a network doctor for an office visit, we pay 100% of history and exa fees after a $35 copay with Copay Select. Office visit expenses outside your network are not eligible for copay benefits.

Adult And Child Preventive Care Included

After a 3-month waiting period, you pay $35 for the doctor office visit with Copay Select. X-rays and lab tests are covered after you pay your chosen coinsurance ( 20%)

You choose $3 million or $5 million lifetime maximum benefits per covered person.

Copay Saver

The Copay Saver plan provides the convenience of copays for doctor office visits (limited to 2 per person, per calendar year) for a lower monthly premium.

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Tags: Family Plan, Golden Rule Copay Saver, health insurance, individual, Michigan, Plans