Our plans

Eight plans. One national PPO network.

Every plan uses the same Cigna PPO network of 1.3 million providers across all 50 states. What changes is the deductible you carry and what you pay when you use care. Filter by deductible to compare only the plans you are actually choosing between.

Filter by deductible

Showing all 8 plans.

1000 Classic

A low-deductible PPO that makes routine care affordable with low copays and full preventive coverage.

Deductible (individual, in-network): $1,000
Deductible (family, in-network): $2,000
Out-of-pocket max (individual): $5,000
Out-of-pocket max (family): $10,000
Primary care visit: $20 copay
Specialist visit: $40 copay
Urgent care: $40
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $45

1500 Classic

A well-balanced PPO plan with manageable costs, ideal for those who use care a few times a year.

Deductible (individual, in-network): $1,500
Deductible (family, in-network): $3,000
Out-of-pocket max (individual): $7,350
Out-of-pocket max (family): $14,700
Primary care visit: $30 copay
Specialist visit: $60 copay
Urgent care: $60
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $45

2500 Classic

A mid-range deductible with the same copay structure, for steady, predictable use.

Deductible (individual, in-network): $2,500
Deductible (family, in-network): $5,000
Out-of-pocket max (individual): $7,350
Out-of-pocket max (family): $14,700
Primary care visit: $30 copay
Specialist visit: $60 copay
Urgent care: $60
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $45

3500 Classic

A higher deductible in exchange for a lower monthly premium, with copays still in place.

Deductible (individual, in-network): $3,500
Deductible (family, in-network): $7,000
Out-of-pocket max (individual): $7,350
Out-of-pocket max (family): $14,700
Primary care visit: $45 copay
Specialist visit: $90 copay
Urgent care: $90
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $65

5000 Classic

A lower-premium PPO for members who want protection against major costs rather than routine cover.

Deductible (individual, in-network): $5,000
Deductible (family, in-network): $10,000
Out-of-pocket max (individual): $7,350
Out-of-pocket max (family): $14,700
Primary care visit: $45 copay
Specialist visit: $90 copay
Urgent care: $90
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $65

7350 Value

The lowest premium option. Once the deductible is met, in-network care is covered in full.

Deductible (individual, in-network): $7,350
Deductible (family, in-network): $14,700
Out-of-pocket max (individual): $7,350
Out-of-pocket max (family): $14,700
Primary care visit: $50 copay
Specialist visit: $100 copay
Urgent care: $100
Coinsurance (in-network): 100%
Generic drugs (retail): $15
Preferred brand (retail): $65

3500 HSA

HSA

HSA-compatible, so you can pay eligible costs with pre-tax dollars. Care applies to the deductible first.

Deductible (individual, in-network): $3,500
Deductible (family, in-network): $7,000
Out-of-pocket max (individual): $6,650
Out-of-pocket max (family): $13,100
Primary care visit: 20% after deductible
Specialist visit: 20% after deductible
Urgent care: 20% after deductible
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $65

5000 HSA

HSA

HSA-compatible with a higher deductible and a lower premium, for members who save for care ahead of time.

Deductible (individual, in-network): $5,000
Deductible (family, in-network): $10,000
Out-of-pocket max (individual): $6,650
Out-of-pocket max (family): $13,100
Primary care visit: 20% after deductible
Specialist visit: 20% after deductible
Urgent care: 20% after deductible
Coinsurance (in-network): 80% / 20%
Generic drugs (retail): $15
Preferred brand (retail): $65

OneHealth Plus plan comparison. Figures are in-network unless stated.
Benefit	1000 Classic	1500 Classic	2500 Classic	3500 Classic	5000 Classic	7350 Value	3500 HSAHSA-compatible	5000 HSAHSA-compatible
Deductible (individual, in-network)	$1,000	$1,500	$2,500	$3,500	$5,000	$7,350	$3,500	$5,000
Deductible (family, in-network)	$2,000	$3,000	$5,000	$7,000	$10,000	$14,700	$7,000	$10,000
Out-of-pocket max (individual)	$5,000	$7,350	$7,350	$7,350	$7,350	$7,350	$6,650	$6,650
Out-of-pocket max (family)	$10,000	$14,700	$14,700	$14,700	$14,700	$14,700	$13,100	$13,100
Primary care visit	$20 copay	$30 copay	$30 copay	$45 copay	$45 copay	$50 copay	20% after deductible	20% after deductible
Specialist visit	$40 copay	$60 copay	$60 copay	$90 copay	$90 copay	$100 copay	20% after deductible	20% after deductible
Urgent care	$40	$60	$60	$90	$90	$100	20% after deductible	20% after deductible
Coinsurance (in-network)	80% / 20%	80% / 20%	80% / 20%	80% / 20%	80% / 20%	100%	80% / 20%	80% / 20%
Generic drugs (retail)	$15	$15	$15	$15	$15	$15	$15	$15
Preferred brand (retail)	$45	$45	$45	$65	$65	$65	$65	$65

Included on every plan

$0 copay telemedicine
Virtual primary care included
Advocacy services included
No lifetime maximum
Routine preventive services with no member cost sharing, deductible waived

Precertification is required for all in-hospital admissions, chemotherapy, diagnostic testing and outpatient surgery. A penalty may apply if precertification is not obtained.

This comparison describes the plan in an easily understood manner and is presented as a matter of general information. The contents are not to be accepted as a substitute for the provisions of the plan.

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