All Carrier Small Group Medical Plan Network

  2016 Small Group Medical Network Plan Benefits Carrier Network Limited Limited Limited Limited Limited Limited Limite...

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  2016 Small Group Medical Network Plan Benefits Carrier

Network Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Full Full Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO

Metal Tier Bronze Bronze Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Gold Platinum Platinum Platinum Silver Silver Silver Silver Silver Silver Gold Gold Gold Gold Platinum Bronze Bronze Bronze Gold Gold Gold Platinum Platinum Silver Silver Silver Silver Silver Bronze Bronze Platinum Platinum Gold

Plan Name Basic HMO Ded. 5500 HMO Ded. 5500 AVN HMO 10 AVN HMO 20 AVN HMO 30 AVN HMO 35 Basic HMO 10 Basic HMO 20 Basic HMO 30 Basic HMO 35 Basic HMO Ded. 500 80 HMO Deductible 250 HMO Deductible 500 80 AVN HMO 20 Copay Plan Basic HMO 20 Copay Plan Vitalidad HMO $15 Basic HMO Ded. 1500 Copay Plan Basic HMO Ded. 1100 Basic HMO Ded. 2000 HMO Ded. 1500 Copay Plan HMO Ded. 1100 HMO Ded. 2000 HMO 10 HMO 20 HMO 30 HMO 35 Copay HMO 20 Copay Savings Plus 4000 Copay Plan Savings Plus 6500 Plan Savings Plus 6850 100/50 Saving Plus 0 Copay Plan Savings Plus 500 80/50 Savings Plus 750 80/50 Savings Plus 0 Copay Plan Savings Plus 250 90/60 Savings Plus 1000 60/50 Savings Plus 1000 75/50 Savings Plus 1500 60/50 Savings Plus1500 60/50 Coins Plan Savings Plus 2000 60/50 Savings Plus 5000 70/50 HSA Savings Plus 6450 100/50 HSA MC 250 90/60 MC 0 Copay MC 500 80/50

Plan Ded. $5,500 $5,500 $0 $0 $0 $0 $0 $0 $0 $0 $500 $250 $500 $0 $0 $0 $1,500 $1,000 $2,000 $1,500 $1,000 $2,000 $0 $0 $0 $0 $0 $4,000 $6,000 $6,850 $0 $500 $0 $0 $250 $1,000 $1,000 $1,500 $1,500 $2,000 $5,000 $6,450 $250 $0 $500

OOP Max. $6,600 $6,600 $5,000 $6,000 $6,000 $6,200 $5,000 $6,000 $6,000 $6,200 $5,500 $5,500 $5,500 $4,000 $4,000 $3,000 $6,500 $6,850 $6,000 $6,500 $6,850 $6,000 $5,000 $6,000 $6,000 $6,200 $4,000 $6,600 $6,500 $6,850 $6,200 $5,000 $5,500 $4,000 $4,000 $6,500 $6,500 $6,500 $6,500 $6,500 $6,450 $6,450 $4,000 $4,000 $5,000

Office Visit $50/$75 $50/$75 $10/$30 $20/$60 $30/$60 $35/$55 $10/$30 $20/$60 $30/$60 $35/$55 $20/$40 $20/$40 $20/$40 $20/$40 $20/$40 $15/$15 $45/$70 $40/$60 $40/$60 $45/$70 $40/$60 $40/$60 $10/$30 $20/$60 $30/$60 $35/$55 $20/$40 $50/$75 $70/$90 $30/$150 $35/$55 $35/$35 $30/$40 $20/$40 $15/$25 $30/$40 $30/$40 $30/$50 $45/$70 $30/$50 30% 0% $15/$25 $20/$40 $35/$35

Inpatient 50% 50% $750/admit $750/admit $500/day (max 5) $600/day (max 5) $750/admit $750/admit $500/day (max 5) $600/day (max 5) 20% $500/day (max 3) 20% $250/day $250/day $100/day (max 7) 20% $500/day (max 3) $500/day (max 3) 20% $500/day (max 3) $500/day (max 3) $750/admit $750/admit $500/day (max 5) $600/day (max 5) $250/day (max.5) $750/admit 100% 0% $600/day (max 5) 20% 20% $250/day (max 5) 10% 40% 25% 40% 20% 40% 30% 0% 10% $250/day (max 5) 20%

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

Rx $35/$75/$150 $35/$75/$150 $30/$60/$90 $20/$50/$100 $20/$50/$70 $15/$50/$70 $30/$60/$90 $20/$50/$100 $20/$50/$70 $15/$50/$70 $10/$50/$70 $25/$40/$90 $10/$50/$70 $5/$15/$25 $5/$15/$25 $25/$50 $15/$55/$75 $25/$50/$100 $15/$50/$70 $15/$55/$75 $25/$50/$100 $15/$50/$70 $30/$60/$90 $20/$50/$100 $20/$50/$70 $15/$50/$70 $5 /$15/$25 $35/$100/$150 0%/0%/0% $35/0%/0% $15/$50/$70 $15/$50/$70 $15/$50/$ $5/$15/$25 $5/$25/$70 $25/$50/$70 $30/$60/$70 $10/$50/$70 $15/$55/$75 $15/$50/$70 $25/$50/$100 0%/0%/0% $5/$25/$70 $5/$15/$25 $15/$50/$70

Rx Ded. *$250 *$250 *$250 *$250 *$250 $0 *$250 *$250 *$250 $0 *Plan ded. *Plan ded. *Plan ded. $0 $0 $0 *$250 $0 $0 *$250 $0 $0 *$250 *$250 *$250 $0 $0 *$400 $500 *Plan ded. $0 $0 $0 $0 $0 *$250 *$250 *$250 *$250 *$150 *Plan ded. *Plan ded. $0 $0 $0

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits

Aetna (continued)

Carrier

Carrier

Network Full Full Full Full Full Full Full Full Full Full Full Full Full

Product PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO

Metal Tier Gold Gold Gold Silver Silver Silver Silver Silver Bronze Bronze Bronze Bronze Bronze

Plan Name MC 750 80/50 MC 0 Copay PPO 750 80/50 MC 1000 75/50 MC 1000 60/50 MC 1500 60/50 MC 2000 60/50 MC 1500 80 Coins Plan MC 4000 Copay MC 6850 100/50 MC 6500 Plan MC 5000 70/50 HSA MC 6450 100/50 HSA

Plan Ded. $750 $0 $750 $1,000 $1,000 $1,500 $0 $1,500 $4,000 $6,850 $6,000 $5,000 $6,450

OOP Max. $5,500 $6,200 $5,500 $6,500 $6,500 $6,500 $6,500 $6,500 $6,600 $6,850 $6,500 $6,450 $6,450

Office Visit $30/$40 $35/$55 $30/$40 $30/$40 $30/$40 $30/$60 $30/$50 $45/$70 $50/$75 $30/$150 $70/$90 30% 0%

Inpatient 20% $600/day (max 5) 20% 25% 40% 40% 40% 20% $750/admit 0% 100% 30% 0%

Rx $15/$50/$70 $15/$50/$70 $15/$50/$100 $30/$60/$70 $25/$50/$70 $10/$50/$70 $15/$50/$70 $15/$55/$75 $35/$100/$150 $35/0%/0% 100% ($500 max) $25/$50/$100 0%/0%/0%

Rx Ded. $0 $0 $0 *$250 *$250 *$250 *$250 *$250 *$400 *Plan ded Plan ded Plan ded Plan ded

Network Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO

Metal Tier Gold Gold Gold Gold Platinum Platinum Silver Silver Gold Gold Silver Bronze Bronze Bronze Gold Gold Gold Gold Gold Gold Platinum Platinum Silver Silver Bronze Bronze Gold Gold Silver Silver

Plan Name Priority Select HMO 50/30%/6850 Priority Select HMO 500/20%/5000 Select HMO 50/30%/6850 Select HMO 500/20%/5000 Priority Select HMO 25/20%/5000 Select HMO 25/20%/5000 Priority Select HMO 1750/40%/6850 Select HMO 1750/40%/6850 HMO 500/20%/5000 HMO 50/30%/6850 HMO 1750/40%/6850 Select PPO 5000/30%/6850 Select PPO 6000/100%/6500 Select PPO 6000/35%/6600 Select PPO 1000/20%/4000 Select PPO 20/30%/5500 Select PPO 2000/20%/4000 Select PPO 2000/20%/4000 w/HRA Select PPO 35/20%/6200 Select PPO 500/20%/4500 Select PPO 20/10%/4000 Select PPO 200/10%/3000 Select PPO 1500/20%/6500 Select PPO 2000/35%/6850 Select PPO 4500/30%/6350 w/HSA  Select PPO 6000/0%/6000 w/HSA  Select PPO 2000/0%/2500 w/HSA RxC  Select PPO 2000/0%/3000 w/HSA  Select PPO 2000/0%/4600 w/HSA RxC  Select PPO 2000/20%/4850 w/HAS

Plan Ded. $0 $500 $0 $500 $0 $0 $1,750 $1,750 $500 $0 $2,000 $5,000 $6,000 $6,000 $1,000 $0 $2,000 $2,000 $0 $500 $0 $200 $1,500 $2,000 $4,500 $6,000 $2,000 $2,000 $2,000 $2,000

OOP Max. $6,850 $5,000 $6,850 $5,000 $5,000 $5,000 $6,850 $6,850 $5,000 $6,850 $6,850 $6,850 $6,500 $6,600 $4,000 $5,500 $4,000 $4,000 $6,200 $4,500 $4,000 $3,000 $6,500 $6,850 $6,350 $6,000 $2,500 $3,000 $4,600 $4,850

Office Visit $50/$100 $30/$60 $50/$100 $30/$60 $25/$50 $25/$50 $50/$75 $50/$75 $30 / $60 $50 / $100 $50 / $75 $30/$30⁺ $70/$90⁺ $70/$70⁺ $20/$40 $20/$40 $25/$50 20% $35/$55 $30/$60 $20/$40 $10/$30 $45/$70 $25/$45 30%/30% 0%/0% 0%/0% 0%/0% 20%/20% 20%/20%

Inpatient $750/day  (max 4) 20% $750/day  (max 4) 20% $250/day (max 5) $250/day (max 5) 40% 40% 20% $750/day (max 4) 40% $500/admit 0% after OOP 35% 20% 30% 20% 20% 20% 20% 10% 10% 20% 35% 30% 0% 0% 0% 0% 20%

Rx $15/$50/$90 $15/$40/$80 $15/$50/$90 $15/$40/$80 $15/$40/$80 $15/$40/$80 $15/$40/$80 $15/$40/$80 $15/$40/$80 $15/$50/$90 $15/$40/$80 $15/$40/$80 0% after OOP $15/$50/$90 $15/$40/$80 $15/$40/$80 $10/$35/$70 20%/20%/20% $15/$50/$70 $15/$40/$80 $5/$15/$25 $10/$35/$70 $15/$55/$75 $15/$40/$80 30%/30%/30% 0%/0%/0% $15/$40/$80 20%/20%/20% 20%/20%/20% 20%/20%/20%

Rx Ded. *$250 *$250 *$250 *$250 $0  $0 *$250 *$250 *$250 *$250 *$250 *$500 $500 *$250 *$250 *$250 $0 Plan ded $0 *$250 $0  $0  *$250 $0  Plan ded Plan ded Plan ded Plan ded Plan ded Plan ded

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits

Anthem (continued)

Carrier

Carrier

Network Full Full Full Full Full Full Full Full Full Full Full Full Full

Product PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO

Metal Tier Gold Gold Gold Gold Silver Bronze Bronze Gold Gold Gold Silver Bronze Bronze

Plan Name PPO 20/30%/5500 PPO 500/20%/4500 PPO 1000/20%/4000 PPO 2000/20%/4000 PPO 2000/35%/6850 PPO 5000/30%/6850 PPO 6000/35%/6600 PPO 2000/20%/4000 w/HRA PPO 2000/0%/2500 w/HSA PPO 2000/0%/3000 w/HSA PPO 2000/20%/4600 w/HSA PPO 4500/30%/6350 w/HSA PPO 6000/0%/6000 w/HSA

Plan Ded. $0 $500 $1,000 $2,000 $2,000 $5,000 $6,000 $2,000 $2,000 $2,000 $2,000 $4,500 $6,000

OOP Max. $5,500 $4,500 $4,000 $4,000 $6,850 $6,850 $6,600 $4,000 $2,500 $3,000 $4,600 $6,350 $6,000

Office Visit $20 / $40 $30 / $60 $20 / $40 $25 / $50 $25 / $45 $30 1 $70 1 20% 0% 0% 20% 30% 0%

Inpatient 30% 20% 20% 20% 35% $500/admit 35% 20% 0% 0% 20% 30% 0%

Rx $15/$40/$80 $15/$40/$80 $15/$40/$80 $10/$35/$70 $15/$40/$80 $15/$40/$80 $15/$50/$90 20%/20%/20% $15/$40/$80 0%/0%/0% 20%/20%/20% 30%/30%/30% 0%/0%/0%

Rx Ded. *$250 *$250 *$250 $0 $0 *$500 *$250 Plan ded Plan ded Plan ded Plan ded Plan ded Plan ded

Network Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Full Full Full Limited Full Full Full Full Full

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO PPO PPO PPO PPO PPO PPO

Metal Tier Gold Gold Gold Gold Gold Platinum Platinum Platinum Platinum Platinum Platinum Platinum Silver Silver Silver Platinum Gold Silver Platinum Gold Silver Bronze Platinum Platinum Gold Gold Gold

Plan Name 80 HMO 0/35 Mirror Local Access+HMO 1700/30 OffEx Local Access+HMO 750/30 OffEx Trio ACO HMO 1700/30 OffEx Trio ACO HMO 750/30 OffEx 90 HMO 0/20 Mirror Local Access+HMO 0/20 OffEx Local Access+HMO 0/25 OffEx Local Access+HMO 0/30 OffEx Trio ACO HMO 0/25 OffEx Trio ACO HMO 0/20 OffEx Trio ACO HMO 0/30 OffEx 70 HMO 1500/45 Mirror Local Access+HMO 1700/55 Off Ex Trio ACO HMO 1700/55 OffEx Access+ HMO 0/25 Access+ HMO 1700/30 Access+ HMO 1700/55 90 HMO 0/20 Mirror 80 HMO 0/35 Mirror 70 HMO 1500/45 Mirror 60 PPO 6000/70 Network Mirror Full PPO 0/10 Full PPO 150/15 Full PPO 0/20 Full PPO 750/20 Full PPO 1000/35

Plan Ded. $0 $1,700 $750 $1,700 $750 $0 $0 $0 $0 $0 $0 $0 $1,500 $1,700 $1,700 $0 $1,700 $1,700 $0 $0 $1,500 $6,000 $0 $150 $0 $750 $1,000

OOP Max. $6,200 $5,000 $5,000 $5,000 $5,000 $4,000 $1,500 $2,500 $3,000 $2,500 $1,500 $3,000 $6,500 $6,500 $6,500 $2,500 $5,000 $6,500 $4,000 $6,200 $6,500 $6,500 $2,500 $3,000 $6,500 $6,500 $6,500

Office Visit $35/$55 $30/$50 $30/$60 $30/$50 $30/$60 $20/$40 $20/$40 $25/$50 $30/$40 $25/$50 $20/$40 $30/$40 $45/$70 $55/$55 $55/$55 $25 / $50 $30 / $50 $55 / $55 $20 / $40 $35 / $55 $45 / $70 $70/$90⁺ $10 / $25 $15 / $30 $20 / $45 $20 / $35 $35 / $50

Inpatient $600/day (max 5) 20% 20% 20% 20% $250/day (max 5) $500/admit $250/day (max 3) $500/day (max 4) $250/day (max 3) $500/admit $500/day (max 4) 20% 40% 40% $250/day (max 3) 20% 40% $150/day (max 5) $300/day (max 5) 20% 0% 10% 10% 30% 20% 20%

Rx $15/$50/$70 $15/$30/$50 $15/$30/$50 $15/$30/$50 $15/$30/$50 $5/$15/$25 $5/$15/$25 $5/$15/$25 $5/$15/$25 $5/$15/$25 $5/$15/$25 $5/$15/$25 $15/$55/$75 $15/$55/$75 $15/$55/$75 $5/$15/$25 $15/$30/$50 $15/$55/$75 $5/$15/$25 $15/$50/$70 $15/$55/$75 0%/0%/0% $5/$30/$50 $5/$30/$50 $15/$40/$60 $10/$30/$50 $5/$30/$50

Rx Ded. $0 *$300 $0 *$300 $0 $0 $0 $0 $0 $0 $0 $0 *$250 *$300 *$300 $0 $300 *$300 $0 $0 *$250 Plan ded $0 $0 $0 $200 $500

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits

Blue Shield (continued)

Carrier

Carrier

Network Full Full Full Full Full Full Full

Product PPO PPO PPO PPO PPO PPO PPO

Metal Tier Silver Silver Bronze Bronze Silver Bronze Bronze

Plan Name Full PPO 1250/40 Full PPO 1700/40 Full PPO 3500/60 Full PPO 4500/45 Full PPO HSA 2000/20% Full PPO HSA 4500/30% Full PPO HSA 5500/40%

Plan Ded. $1,250 $1,700 $3,500 $4,500 $2,600 $4,500 $5,500

OOP Max. $6,500 $6,500 $6,500 $6,500 $4,400 $6,500 $6,500

Office Visit $40 / $50 $40 / $50 $60 / $70 $45 / $45 20% / 20% 30% / 30% 40% / 40%

Inpatient 40% 30% 15% 30% 20% 30% 40%

Rx $15/$50/$75 $15/$50/$75 $15/$50/$75 $15/$50/$75 $15/$50/$75 $15/$50/$75 $15/$50/$75

Rx Ded. $250 $300 $225 $225 Plan ded Plan ded Plan ded

Network Limited Limited Limited Limited Limited

Product HMO HMO HMO HMO HMO

Metal Tier Bronze Gold Platinum Silver  Gold

Plan Name PureCare 60 HSP 6000/70 PureCare 80 HSP 0/35 PureCare 90 HSP 0/20 PureCare 70 HSP 1500/45 Salud HMO y Mas $30

Plan Ded. $6,000 $0 $0 $1,500 $0

HMO

Gold

Salud HMO y Mas $40

$0

Limited

HMO

Gold

Salud HMO y Mas $50

$0

Limited

HMO

Platinum

Salud HMO y Mas $10

$0

Limited

HMO

Platinum

Salud HMO y Mas $20

$0

Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Full Full Limited Limited

HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO EPO EPO

Gold Gold Gold Platinum Platinum Gold Gold Gold Platinum Platinum Platinum Platinum Gold Gold Gold Gold Silver 

SmartCare HMO $30 SmartCare HMO $40 SmartCare HMO $50 SmartCare HMO $10 SmartCare HMO $20 WholeCare HMO $30 WholeCare HMO $40 WholeCare HMO $50 WholeCare HMO $10 WholeCare HMO $20 Platinum $10 Platinum $20 Gold $30 Gold $40 Gold $50 PureCare 80 EPO 1000/20 Alternate PureCare 70 EPO 1800/30 Alternate

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,000 $1,800

Office Visit $70/$90⁺ $35/$55 $20/$40 $45/$70 $5/$5 Mex $30/$50 CA $5/$5 Mex $40/$60 CA $5/$5 Mex $50/$70 CA $5/$5 Mex $10/$30 CA $5/$5 Mex $20/$40 CA $30/$50 $40/$60 $50/$70 $10/$30 $20/$40 $30/$50 $40/$60 $50/$70 $10/$30 $20/$40 $10/$30 $20/$40 $30/$50 $40/$60 $50/$70 $20/$30 $30/$50

Inpatient 0% after OOP 20% 10% 20% $0 Mex $600/admit CA $0 Mex $800/admit CA $0 Mex $1,200/admit CA $0 Mex $300/admit CA $0 Mex $500/admit CA $600/admit $800/admit $1,200/admit $300/admit $500/admit $600/admit $800/admit $1,200/admit $300/admit $500/admit $300/admit $500/admit $600/admit $800/admit $1,200/admit 20% 50%

Rx 0% after OOP $15/$50/$70 $5/$15/$25 $15/$55/$75 $5/$5/$5 Mex $15/$50/$70 CA $5/$5/$5 Mex $15/$50/$70 CA $5/$5/$5 Mex $20/$50/$70 CA $5/$5/$5 Mex $5/$30/$50 CA $5/$5/$5 Mex $5/$30/$50 CA $15/$50/$70 $15/$50/$70 $20/$50/$70 $5/$30/$50 $5/$30/$50 $15/$50/$70 $15/$50/$70 $20/$50/$70 $5/$30/$50 $5/$30/$50 $5/$30/$50 $5/$30/$50 $15/$50/$70 $15/$50/$70 $20/$50/$70 $5/$15/20% $10/$55/50%

Rx Ded. $500 $0 $0 *$250 $0

Limited

OOP Max. $6,500 $6,200 $4,000 $6,500 $1,500 Mex  $6,000 CA $1,500 Mex  $6,500 CA $1,500 Mex  $6,850 CA $1,500 Mex  $3,000 CA $1,500 Mex  $4,250 CA $6,000 $6,500 $6,850 $3,000 $4,250 $6,000 $6,500 $6,850 $3,000 $4,250 $3,000 $4,250 $6,000 $6,500 $6,850 $4,500 $6,500

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 *$250 *$350

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits Network Full Full Full Full Full

Product PPO PPO PPO PPO PPO

Metal Tier Platinum Gold Silver Bronze Bronze

Plan Name Platinum 90 0/20 Gold 80 0/35 Silver 70 1500/45 Bronze 60 6000/70 Bronze 60 4750/15 Alternate HSA

Plan Ded. $0 $0 $1,500 $6,000 $4,750

OOP Max. $4,000 $6,200 $6,500 $6,500 $6,550

Office Visit $20 / $40 $35 / $55 $45 / $70 $70/$90 $15 / $30

Inpatient 10% 20% 20% 100% 20%

Rx $5/$15/$25 $15/$50/$70 $15/$55/$75 100% $5/$15/$40

Rx Ded. $0 $0 $250 $500 Plan ded

Carrier

Network Full Full Full Full Full Full Full Full Full Full Full Full Full

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO PPO PPO PPO PPO

Metal Tier Bronze Gold Gold Gold Platinum Platinum Silver Silver Bronze Bronze Gold Platinum Silver

Plan Name 60 HMO 6000/70 80 HMO 0/35 80 HMO 500/30 80 HRA 2000/30 90 HMO 0/15 90 HMO 0/20 70 HMO 1000/50 Silver 70 HMO 1500/45 60 HSA 4500/40% 60 PPO 6000/70 80 PPO 0/35 90 PPO 0/20 70 PPO 1500/45

Plan Ded. $6,000 $0 $500 $2,000 $0 $0 $1,000 $1,500 $4,500 $6,000 $0 $0 $1,500

OOP Max. $6,500 $6,200 $6,250 $6,250 $2,500 $4,000 $6,500 $6,500 $6,500 $6,500 $6,200 $4,000 $6,500

Office Visit $70/$90⁺ $35/$35 $30/$30 $30/$30 $15/$15 $20/$40 $50/$50 $45/$70 40% $70/$90⁺ $35/$55 $20/$40 $45/$75

Inpatient 0% $655/day (max 5) $600/day (max 5) 20% $250/admit $290/day (max 5) 30% 20% 40% 0% 20% 10% 20%

Rx 0%/0%/0% $15/$50/$50 $15/$50/$50 $15/$30 $5/$15/$15 $5/$15/$15 $25/$50/$50 $15/$55/$55 40%/40%/40% 0%/0%/0% $15/$50/$50 $5/$15 $15/$55/$55

Rx Ded. $500 $0 $0 $0 $0 $0 $0 *$250 Plan ded $500 $0 $0 *$250

Carrier

Network Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO

Metal Tier Bronze Gold Gold Platinum Platinum Silver Silver Bronze Gold Gold Platinum Platinum Silver  Silver Bronze Silver Bronze Silver Bronze

Plan Name Mirrored Performance 6000/70/1000% Mirrored Performance 0/35/20% Mirrored Performance 0/35/600 Mirrored Performance 0/20/10% Mirrored Performance 0/20/250 Mirrored Performance 1500/45/20% A Mirrored Performance 1500/45/20% B Mirrored Premier 6000/70/100% Mirrored Premier 0/35/20% Mirrored Premier 0/35/600 Mirrored Premier 0/20/10% Mirrored Premier 0/20/250 Mirrored Premier 1500/45/20% A Mirrored Premier 1500/45/20% B Mirrored Performance HSA 4500/40%/40% Mirrored Performance HSA 2000/20%/20% Mirrored Premier HSA 4500/40%/40% Mirrored Premier HSA 2000/20%/20% Mirrored Value HSA 4500/40%/40%

Plan Ded. $6,000 $0 $0 $0 $0 $1,500 $1,500 $6,000 $0 $0 $0 $0 $1,500 $1,500 $4,500 $2,000 $4,500 $2,000 $4,500

OOP Max. $6,500 $6,200 $6,200 $4,000 $4,000 $6,500 $6,500 $6,500 $6,200 $6,200 $4,000 $4,000 $6,500 $6,500 $6,500 $6,250 $6,500 $6,250 $6,500

Office Visit $70/$90⁺ $35/$55 $35/$55 $20/$40 $20/$40 $45/$70 $45/$70 $60/$70 $35/$35 $35/$55 $20/$40 $20/$40 $45/$70 $45/$70 40%/40% 20%/20% 40%/40% 20%/20% 40%/40%

Inpatient 0% after OOP 20% $600/day (max 5) 10% $250/day (max 5) 20% 20% 0% after OOP 20% $600/day (max 5) 10% $250/day (max 5) 20% 20% 40% 20% 40% 20% 40%

Rx 0%/0%/0%   ͌ $15/$50/$70 $15/$50/$70 $5/$15/$25 $5/$15/$25 $15/$55/$75 $15/$55/$75 0%/0%/0%   ͌ $15/$50/$70 $15/$50/$70 $5/$15/$25 $5/$15/$25 $15/$55/$75 $15/$55/$75 40%/40%/40% 20%/20%/20% 40%/40%/40% 20%/20%/20% 40%/40%/40%

Rx Ded. $500 $0 $0 $0 $0 *$250 *$250 $500 $0 $0 $0 $0 *$250 *$250 Plan ded Plan ded Plan ded Plan ded Plan ded

Health Net (continued)

Carrier

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits Carrier

Network Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO

Metal Tier Silver Bronze Gold Gold Platinum Platinum Silver Silver Gold Gold Gold Gold Gold Gold Platinum Platinum Platinum Platinum Platinum Platinum Platinum Platinum Silver Gold Gold Gold Gold Gold Gold Platinum Platinum Platinum Platinum Platinum Platinum Silver Platinum Platinum Gold Gold

Plan Name Mirrored Value HSA 2000/20%/20% Mirrored Value 6000/70/100% Mirrored Value 0/35/20% Mirrored Value 0/35/600 Mirrored Value 0/20/10% Mirrored Value 0/20/250 Mirrored Value 1500/45/20% A Mirrored Value 1500/45/20% B Performance 0/30/1000 A Performance 0/30/1000 B Performance 0/40/1000 Performance 1000/30/30% Performance 0/30/30% Performance 0/40/40% Performance 0/10/200 Performance 0/15/250 Performance 0/20/1000 A Performance 0/20/1000 B Performance 0/20/250 Performance 0/20/300 Performance 0/20/500 A Performance 0/20/500 B Performance 1750/40/40% Premier 0/30/30% Premier 0/40/40% Premier 0/30/1000 A Premier 0/30/1000 B Premier 0/40/1000 Premier 1000/30/30% Premier 0/10/200 Premier 0/15/250 Premier 0/20/250 Premier 0/20/300 Premier 0/20/1000 A Premier 0/20/1000 B Premier 1750/40/40% Premier 0/20/500 A Premier 0/20/500 B Value 0/30/1000 A Value 0/30/1000 B

Plan Ded. $2,000 $6,000 $0 $0 $0 $0 $1,500 $1,500 $0 $0 $0 $1,000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,750 $0 $0 $0 $0 $0 $1,000 $0 $0 $0 $0 $0 $0 $1,750 $0 $0 $0 $0

OOP Max. $6,250 $6,500 $6,200 $6,200 $4,000 $4,000 $6,500 $6,500 $6,250 $5,000 $5,000 $3,400 $4,500 $4,500 $3,000 $2,900 $2,000 $3,000 $2,500 $3,000 $2,000 $3,000 $5,750 $4,500 $4,500 $6,250 $5,000 $5,000 $3,400 $3,000 $2,900 $2,500 $3,000 $2,000 $5,000 $5,750 $2,000 $3,000 $6,250 $5,000

Office Visit 20%/20% $60/$70 $35/$35 $35/$55 $20/$40 $20/$40 $45/$70 $45/$70 $30/$70 $30/$60 $40/$60 $30/$30 $30/$30 $40/$40 $10/$20 $15/$15 $20/$40 $20/$30 $20/$40 $20/$30 $20/$30 $20/$30 $40/$40 $30/$30 $40/$40 $30/$70 $30/$60 $40/$60 $30/$30 $10/$20 $15/$15 $20/$40 $20/$30 $20/$40 $30/$60 $40/$40 $20/$30 $20/$30 $30/$70 $30/$60

Inpatient $0  0% after OOP $0  $600/day (max 5) $0  $250/day (max 5) $0  20% $1,000/admit $1,000/day $1,000/day $0  30% 40% $200/day (max 3) $250/day (max 3) $1,000 $1,000/admit $250/admit $300/day (max 3) $500/day (max 3) $500/admit 40% 30% 40% $1,000/admit $1,000/day $1,000/day $0  $200/day (max 3) $250/day (max 3) $250/admit $300/day (max 3) $1,000 $1,000/day 40% $500/day (max 3) $500/admit $1,000/admit $1,000/day

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

Rx 20%/20%/20% 0%/0%/0%   ͌ $15/$50/$70 $15/$50/$70 $5/$15/$25 $5/$15/$25 $15/$55/$75 $15/$55/$75 $19/$35/$70 $19/$35/$70 $19/$35/$70 $19/$35/$70 $15/$50/$70 $19/$35/$70 $15/$35/$50 $15/$35/$50 $15/$35/$50 $15/$35/$50 $10/$25/$50 $19/$35/$70 $19/$35/$70 $10/$25/$50 $19/$35/$70 $15/$50/$70 $19/$35/$70 $19/$35/$70 $19/$35/$70 $19/$35/$70 $19/$35/$70 $15/$35/$50 $15/$35/$50 $10/$25/$50 $19/$35/$70 $15/$35/$50 $19/$35/$70 $19/$35/$70 $19/$35/$70 $10/$25/$50 $19/$35/$70 $19/$35/$70

Rx Ded. Plan ded $500 $0 $0 $0 $0 *$250 *$250 $0 $0 *$150 *$150 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 *$150 $0 $0 $0 *$150 *$150 *$150 $0 $0 $0 $0 $0 *$150 *$150 $0 $0 $0 $0 ͒ Ded waived for 1st 4visits ͌ up to $500 max/script

This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits Carrier

Network Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full Full

Product HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO

Metal Tier Gold Gold Gold Gold Platinum Platinum Platinum Platinum Platinum Platinum Platinum Platinum Silver Bronze Silver Bronze Gold Gold Platinum Platinum Silver Silver Gold Gold Gold Gold Gold Gold Platinum Platinum Platinum Platinum Platinum Platinum Platinum Platinum Silver

Plan Name Value 0/30/30% Value 0/40/1000 Value 0/40/40% Value 1000/30/30% Value 0/10/200 Value 0/15/250 Value 0/20/1000 A Value 0/20/1000 B Value 0/20/250 Value 0/20/300 Value 0/20/500 A Value 0/20/500 B Value 1750/40/40% Mirrored Choice HSA 4500/40%/40% Mirrored Choice HSA 2000/20%/20% Mirrored Choice 6000/70/100% Mirrored Choice 0/35/20% Mirrored Choice 0/35/600 Mirrored Choice 0/20/10% Mirrored Choice 0/20/250 Mirrored Choice 1500/45/20% A Mirrored Choice 1500/45/20% B Choice 0/30/1000 A Choice 0/30/1000 B Choice 0/30/30% Choice 0/40/1000 Choice 0/40/40% Choice 1000/30/30% Choice 0/10/200 Choice 0/15/250 Choice 0/20/1000 A Choice 0/20/1000 B Choice 0/20/250 Choice 0/20/300 Choice 0/20/500 A Choice 0/20/500 B Choice 1750/40/40%

Plan Ded. $0 $0 $0 $1,000 $0 $0 $0 $0 $0 $0 $0 $0 $1,750 $4,500 $2,000 $6,000 $0 $0 $0 $0 $1,500 $1,500 $0 $0 $0 $0 $0 $1,000 $0 $0 $0 $0 $0 $0 $0 $0 $1,750

OOP Max. $4,500 $5,000 $4,500 $3,400 $3,000 $2,900 $2,000 $3,000 $2,500 $3,000 $2,000 $3,000 $5,750 $6,500 $6,250 $6,500 $6,200 $6,200 $4,000 $4,000 $6,500 $6,500 $6,250 $5,000 $4,500 $5,000 $4,500 $3,400 $3,000 $2,900 $2,000 $3,000 $2,500 $3,000 $2,000 $3,000 $5,750

Office Visit $30/$30 $40/$60 $40/$40 $30/$30 $10/$20 $15/$15 $20/$40 $20/$30 $20/$40 $20/$30 $20/$30 $20/$30 $40/$40 40%/40% 20%/20% $70/$90⁺ $35/$35 $35/$55 $20/$40 $20/$40 $45/$70 $45/$70 $30/$70 $30/$60 $30/$30 $40/$60 $40/$40 $30/$30 $10/$20 $15/$15 $20/$40 $20/$30 $20/$20 $20/$30 $20/$30 $20/$30 $40/$40

Inpatient 30% $1,000/day 40% 30% $200/day (max 3) $250/day (max 3) 100000% $1,000/admit $250/day $300/day (max 3) $500/day (max 3) $500/admit 40% $0  20% 0% after OOP 20% $600/day (max 5) 10% $250/day (max 5) 20% 20% $1,000/admit $1,000/day 30% $1,000/day 40% 30% $200/day (max 3) $250/day (max 3) 100000% $1,000/admit $250/admit $300/day (max 3) $500/day (max 3) $500/admit 40%

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

Rx $15/$50/$70 $19/$35/$70 $19/$35/$70 $19/$35/$70 $15/$35/$50 $15/$35/$50 $15/$35/$50 $15/$35/$50 $10/$25/$50 $19/$35/$70 $19/$35/$70 $10/$25/$50 $19/$35/$70 40%/40%/40% 20%/20%/20% 0%/0%/0%   ͌ $15/$50/$70 $15/$50/$70 $5/$15/$25 $5/$15/$25 $15/$55/$75 $15/$55/$75 $19/$35/$70 $19/$35/$70 $15/$50/$70 $19/$35/$70 $19/$35/$70 $19/$35/$70 $15/$35/$50 $15/$35/$50 $15/$35/$50 $15/$35/$50 $10/$25/$50 $19/$35/$70 $19/$35/$70 $10/$25/$50 $19/$35/$70

Rx Ded. $0 *$150 $0 *$150 $0 $0 $0 $0 $0 $0 $0 $0 *$500 Plan ded Plan ded $500 $0 $0 $0 $0 *$250 *$250 $0 $0 $0 *$150 $0 *$150 $0 $0 $0 $0 $0 $0 $0 $0 *$500

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits Carrier

Network Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Full Full Full Full Full Full

Product EPO EPO EPO EPO EPO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO HMO

Metal Tier Platinum Gold Silver Bronze Bronze Platinum Gold Gold Silver Bronze Platinum Gold Gold Silver Bronze Platinum Platinum Gold Gold Silver Bronze Platinum Gold Silver Platinum Gold Silver Silver Bronze Silver Bronze Platinum Platinum Platinum Gold Gold Gold Silver Silver Bronze

Plan Name State Core Essential 20/90%  State Core Essential 35/80% State Core Essential 45/1500/80%  State Core Essential 70/6500/0% State Core Essential HSA 4500/60% Advantage 20‐40/30% Advantage 30‐50/30% Advantage 30‐50/30%/1000ded Advantage 45‐65/40%/2000ded Advantage 55‐85/0%/6600ded Alliance 20‐40/30% Alliance 30‐50/30% Alliance 30‐50/30%/1000ded Alliance 45‐65/40%/2000ded Alliance 55‐85/0%/6600ded Focus 15‐30/250a Focus 20‐40/30% Focus 30‐50/30% Focus 30‐50/30%/1000ded Focus 45‐65/40%/2000ded Focus 55‐85/0%/6600ded State Alliance 20‐40/10% State Alliance 35‐55/20% State Alliance 45‐70/20%/1500ded State Focus 20‐40/10% State Focus 35‐55/20% State Focus 45‐70/20%/1500ded Alliance HSA 25%/2000ded Alliance HAS 40%/4500ded State Alliance HSA 25%/2000ded State Alliance HSA 40%/4500ded Signature 15‐30/250a Signature 20‐40/30% State Signature 20‐40/10% Signature 30‐50/30% Signature 30‐50/30%/1000ded State Signature 35‐55/20% Signature 45‐65/40%/2000ded State Signature 45‐70/20%/1500ded Signature 55‐85/0%/6600ded

Plan Ded. $0 $0 $1,500 $6,000 $4,500 $0 $0 $1,000 $2,000 $6,600 $0 $0 $1,000 $2,000 $6,600 $0 $0 $0 $1,000 $2,000 $6,600 $0 $0 $1,500 $0 $0 $1,500 $2,000 $4,500 $2,000 $4,500 $0 $0 $0 $0 $1,000 $0 $2,000 $1,500 $6,600

OOP Max. $4,000 $6,200 $6,500 $6,500 $6,500 $3,000 $5,000 $5,000 $6,500 $6,850 $3,000 $5,000 $5,000 $6,500 $6,850 $2,000 $3,000 $5,000 $5,000 $6,500 $6,850 $4,000 $6,200 $6,500 $4,000 $6,200 $6,500 $6,500 $6,500 $6,500 $6,500 $2,000 $3,000 $4,000 $5,000 $5,000 $6,200 $6,500 $6,500 $6,850

Office Visit $20/$40 $35/$55 $45/$70 $70/$90⁺ 40%/40% $20/$40 $30/$50 $30/$50 $45/$65 $55/$85 $20/$40 $30/$50 $30/$50 $45/$65 $55/$85 $15/$30 $20/$40 $30/$50 $30/$50 $45/$65 $55/$85 $20/$40 $35/$55 $45/$70 $20/$40 $35/$55 $45/$70 25%/25% 40%/40% 25%/25% 40%/40% $15 / $30 $20 / $40 $20 / $40 $30 / $50 $30 / $50 $35 / $55 $45 / $65 $45 / $70 $55 / $85

Inpatient 10% 20% 20% 0% after OOP 40% 30% 30% 30% 40% 0% 30% 30% 30% 40% 0% $250/admit 30% 30% 30% 40% 0% 10% 20% 20% 10% 20% 20% 25% 40% 25% 40% $250/admit 30% 10% 30% 30% 20% 40% 20% 0%

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

Rx $5/$15/$25 $15/$50/$70 $15/$55/$75 0%/0%/0%   ͌ 40%/40%/40% $15/$35/$50 $15/$35/$70 $15/$35/$70 $20/$50/$100 $25/$50/$125 $15/$35/$50 $15/$35/$70 $15/$35/$70 $20/$50/$100 $25/$50/$125 $15/$35/$50 $15/$35/$50 $15/$35/$70 $15/$35/$70 $20/$50/$100 $25/$50/$125 $5/$15/$25 $15/$50/$70 $15/$55/$75 $5/$15/$25 $15/$50/$70 $15/$55/$75 $20/$50/$100 $20/$50/$100 $20/$50/$100 40%/40%/40% $15/$35/$50 $15/$35/$50 $5/$15/$25 $15/$35/$70 $15/$35/$70 $15/$50/$70 $20/$50/$100 $15/$55/$75 $25/$50/$125

Rx Ded. $0 $0 *$250 $500 Plan ded $0 $0 $0 $0 *$250 $0 $0 $0 $0 *$250 $0 $0 $0 $0 $0 *$250 $0 $0 *$250 $0 $0 *$250 Plan ded Plan ded $0 Plan ded $0 $0 $0 $0 $0 $0 $0 $250 $250 ͒ Ded waived for 1st 4visits ͌ up to $500 max/script

This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.

  2016 Small Group Medical Network Plan Benefits Carrier

Network Full Limited Limited Limited Limited Limited Limited Limited Limited Limited Limited Full Full Full Full Full Full Full Full Full Full

Product HMO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO PPO

Metal Tier Platinum Platinum Gold Gold Gold Silver Silver Silver Bronze Platinum Bronze Platinum Gold Gold Gold Silver Silver Silver Bronze Bronze Silver

Plan Name Select Plus 5/10% Core 15/85% Core 20/1000/80% Core 20/250/80% Core 20/750/80% Core 2000/70% Core 30/1800/70% Core 40/1800/70% Core 40/6600/100% Core 5/90% Core HSA 4500/60% Select Plus 15/15% Select Plus 20/250/20% Select Plus 20/750/20% Select Plus 20/1000/20% Select Plus 30/1800/30% Select Plus 40/1800/30% Select Plus 30/2000/30% Select Plus 40/6600/0% Select Plus HSA 4500/40% Non‐Differential PPO 2000/20%

Plan Ded. $0 $0 $1,000 $250 $750 $2,000 $1,800 $1,800 $6,600 $0 $4,500 $0 $250 $750 $1,000 $1,800 $1,800 $2,000 $6,600 $4,500 $2,000

OOP Max. $3,500 $4,500 $5,400 $5,000 $5,000 $6,500 $6,500 $6,500 $6,850 $3,500 $6,500 $4,500 $5,000 $5,000 $5,400 $6,500 $6,500 $6,500 $6,850 $6,500 $5,000

Office Visit $5 / $10 $15/$30 $20/$40 $20/$40 $20/$40 30%/30% $30/$60 $40/$60    ͒ $40/$60    ͒ $5/$10 40%/40% $15 / $30 $20 / $40 $20 / $40 $20 / $40 $30 / $60 $40/$60    ͒ 30% / 30% $40 / $60 40% 20%

Inpatient 10% 15% $250+20% after ded $250+20% after ded $250+20% after ded 30% $250+30% after ded $250+30% after ded 0% after OOP 10% 40% 15% 20% 20% 20% 30% 30% 30% 0% 40% 20%

⁺ Ded waived for 1st 3 visits * Rx ded applies only to tiers 2 3

Rx $10/$30/$60 $10/$30/$60 $15/$35/$60 $15/$35/$60 $15/$35/$60 $15/$35/$70 $15/$35/$70 $20/$50/$100 $20/$50/$100 $10/$30/$60 $20/$50/$100 $10/$30/$60 $15/$35/$60 $15/$35/$60 $15/$35/$60 $15/$35/$70 $20/$50/$100 $15/$35/$70 $20/$50/$100 40%/40%/40% $20/$35/$60

Rx Ded. $0 $0 $0 $0 $0 *$150 *$200 *$200 *$250 $0 $0 $0 $0 $0 $0 $200 $200 $150 $250 Plan ded $0

͒ Ded waived for 1st 4visits ͌ up to $500 max/script This is an overview for comparison purposes only. Please refer to carrier benefit summaries for full details.