Value Plan from Time Health

The Economical Plan

Value Plan is best suited for you if you primarily want to control your premium, and you are willing to cost-share more in exchange for a lower premium. With Value Plan, you can enjoy competitive premiums and get quality coverage — even $500 in wellness benefits after you've been insured by the plan for one year.

	Network		Non-Network
Deductibles Individual	$500, $1,000, $2,000, $3,000 or $5,000		$1,000 added to plan deductible
Family	Three times the individual plan deductible1		Three times individual non-network plan deductible1
Coinsurance	80% Plan*		50% Plan*
	Network	Non-Network		Network	Non-Network
	80/20	60/40		50/50	30/70
Coinsurance Out-of-Pocket Maximum	$3,500	$10,000		$1,250 $2,500	$10,000
Lifetime Benefit	$2 or $6 Million
Prescription Drug Coverage	$500 prescription drug deductible, then a $10 copay for generic prescriptions or a $25 copay + 50% coinsurance for brand name2
Access Fee	First $500 of facility charges for each inpatient hospital stay, or first $250 for an outpatient surgical visit. Then subject to deductible and coinsurance
Doctor Office Copay (DOC)	100% after a $25 copay for each of two non wellness office visits including first $100 in lab tests and x-rays paid at 100%3

1 Family deductibles can be met collectively by three or more family members.
2 If a brand drug is chosen when a generic drug is available, the insured will also pay the difference between the cost of the brand versus the generic.
3 Additional lab and x-ray services and office visits (beyond the two visit limit for the Value Plan and PPO X-tra DOC options) are covered subject to deductible and coinsurance.

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