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Index | Exclusions
& Limitations | Locate
Providers | Application
Plan Benefits:
Elect Premiere | Elect Preferred
| Elect FlexPerks | Elect Value
Plan Rates:
Elect Premiere | Elect Preferred | Elect FlexPerks | Elect Value
Oregon Medical Insurance > PacificSource Health Plans > Elect FlexPerks Benefits
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Elect FlexPerks (HSA-Qualified) |
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| Maximum Lifetime Benefit |
$2,000,000 |
|
| Annual Deductible | Out-of-Pocket Limit(individual / family) | |
| Annual Deductible &
Participating Provider Out-of-Pocket Limit |
$1,100 per person / $2,200 per family |
$3,300/$6,600 |
|
$1,500 per person / $3,000 per family |
$5,000/$10,000 | |
|
$2,000 per person / $4,000 per family |
$5,000/$10,000 | |
|
$2,900 per person / $5,800 per family |
$5,600/$11,200 | |
|
$5,000 per person / $10,000 per family |
$5,000/$10,000 | |
|
Out-of-Pocket Limit, Nonparticipating Provider |
$10,000 per person | |
| Accident Benefit | Deductible waived and 100% benefit for first $500 of accident-related covered expenses within 90 days | |
| Preventive Care | Participating Providers | Non-Participating Providers ‡ |
| Well Baby Care | 80% + |
50% |
| Routine Physicals and Preventive Care Exams | 80% + † |
50% † |
| Routine Gynecological Exams | 80% + |
50% |
| Immunizations | 80% + |
50% |
| Professional Services | ||
| Office and Home Visits | 80% + |
50% |
| Surgery |
80% + |
50% |
| Chiropractic Manipulation | Not covered |
Not covered |
| Acupuncture | Not covered |
Not covered |
| Naturopathic Care |
Not covered |
Not covered |
| Maternity Care | ||
| Practitioner Services |
80% + |
50% |
| Hospital Stay |
80% + |
50% |
| Hospital Services | ||
| Inpatient Room and Board |
80% + |
50% |
| Inpatient Rehabilitative Care |
80% + |
50% |
| Skilled Nursing Facility Care |
80% + |
50% |
| Outpatient Services | ||
| Outpatient Hospital/Facility |
80% + |
50% |
| Diagnostic & Therapeutic Radiology and Lab |
80% + |
50% |
| CT/PET Scans, Cath Labs, and MRIs |
80% + |
50% |
| Emergency Room Visits |
80% + |
50% |
| Urgent Care Center Visits | 80% + |
50% |
| Other Covered Services | ||
| Prescription Drugs | 50% + |
Not Covered |
| Physical Therapy |
80% + |
50% |
| Allergy Injections |
80% + |
50% |
| Ambulance Service |
80% + |
50% |
| Durable Medical Equipment/Prosthesis |
80% + |
50% |
| Home Health, Hospice, and Respite Care |
80% + |
50% |
| Inpatient Mental Health Services |
80% + |
50% |
| Transplant Services |
80% + |
Lesser of 50% of billed amount or $100,000 |
| Note: + = Covered at 100% under the Elect FP 5000 plan (after deductible) † = Scheduled benefit ‡ = Payment to providers is based on the PacificSource fee allowance. While participating providers accept the fee allowance as payment in full, nonparticipating providers may not. Services of nonparticipating providers could result in out-of-pocket expense in addition to the percentage indicated. |
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