Dean Health Plan

With Dean Health Plan, you can find coverage that fits you. We pride ourselves in looking out for our members when they’re sick and when they’re well by offering great reward programs to help you live healthier. Plus, when you have a question or need help, Dean’s support network is local. Whether you call us, visit us online or in person, you’ll be working with someone who knows what you need. And you can rest assured that wherever you are in southern Wisconsin, trusted Dean doctors, hospitals and clinics are right in your neighborhood.

Plan Options

Copay Plus Plans Copay Plus Plans give you the flexibility to balance copays against annual out-of-pocket maximums to meet your budget.
Classic Plans Classic Plans are designed for those who want their health coverage to be as simple as possible.
Value Copay Plans Value Copay Plans build in high deductibles with affordable lower premiums and low out-of-pocket costs.
Health Savings Accounts Health Savings Account (HSA) eligible plans allow you to begin achieving tax savings and are fully compatible with the HSA of your choice.
Safety Net Plans The Safety Net Plan is a catastrophic plan design for individuals under the age of 30 or who meet certain income guidelines.

Plan Overviews

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When you begin shopping for a Marketplace health plan, you’ll see plan options with different metal tiers such as Gold, Silver and Bronze plans. But the only difference between these plans is how much premium you’ll pay each month and how much you’ll pay for certain medical services. A Bronze plan typically gives you lower monthly premium payments, but potentially higher out-of-pocket costs – if you end up needing a lot of care. And a Gold plan may have higher monthly premiums, but that helps you limit your out-of-pocket costs later. If you’re looking for a balance on your monthly premium payments and your out-of-pocket costs, Silver plans provide just that. And, Silver plans are the only plans with additional out-of-pocket payment reductions (cost sharing reductions)! This helps lower the costs of your copays, deductibles and coinsurance. So, if you are eligible for a subsidy and cost sharing, Silver plans offer the highest value.

Copay Plus & Classic Plan Overview

Gold Copay Plus 1500X Silver Copay Plus 2750X Silver Copay Plus 3500X Silver Classic 2500X Silver Classic 3750X
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. $1,500 $2,750 $3,500 $2,500 $3,750
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services $3,000 $7,150 $7,150 $7,150 $6,750
Prices before you meet your deductible
Primary Care visits $30 Copay $30 Copay $30 Copay 20% after deductible 20% after deductible
Specialist visits $60 Copay $60 Copay $60 Copay 20% after deductible 20% after deductible
CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max 20% 30% 20% 20% 20%
Preventative Exam* No Charge
Urgent Care $60 Copay $60 Copay $60 Copay 20% after deductible 20% after deductible
Emergency Room $200 Copay before policy deductible & coinsurance
Outpatient Lab/X-ray 20% after deductible 30% after deductible 20% after deductible 20% after deductible 20% after deductible
Outpatient Surgery 20% after deductible 30% after deductible 20% after deductible 20% after deductible 20% after deductible
Hospitalization 20% after deductible 30% after deductible 20% after deductible 20% after deductible 20% after deductible

*Preventive exams are covered in accordance with the recommended preventive services as required by the Patient Protection and Affordable Care Act (PPACA).   Value Copay Plan Overview

Gold Value Copay 2650X Silver Value Copay 5000x Bronze Value Copay 7150X
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. $2,650 $5,000 $7,150
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services $2,650 $7,150 $7,150
Prices before you meet your deductible
Primary Care visits $25 copay for 3 visits then no charge after ded. $25 copay for 3 visits then 20% coins. after ded. $25 copay for 3 visits then no charge after ded.
Specialist visits No charge after deductible 20% after deductible No charge after deductible
CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max 0% 20% 0%
Preventative Exam* No Charge
Urgent Care No charge after deductible 20% after deductible No charge after deductible
Emergency Room  No charge after deductible 20% after deductible No charge after deductible
Outpatient Lab/X-ray No charge after deductible 20% after deductible No charge after deductible
Outpatient Surgery No charge after deductible 20% after deductible No charge after deductible
Hospitalization No charge after deductible 20% after deductible No charge after deductible

*Preventive exams are covered in accordance with the recommended preventive services as required by the Patient Protection and Affordable Care Act (PPACA).

HSA & Safety Net Plan Overview

Silver HSA-E 3000X* Bronze HSA-E 6550X* Catastrophic Safety Net
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. $3,000 $6,550 $7,150
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services $5,000 $6,550 $7,150
Prices before you meet your deductible
Primary Care visits 20% after deductible No charge after deductible $0 copay for 3 visits then no charge after ded.
Specialist visits 20% after deductible No charge after deductible No charge after deductible
CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max 20% 0% 0%
Preventative Exam** No Charge
Urgent Care 20% after deductible No charge after deductible No charge after deductible
Emergency Room 20% after deductible No charge after deductible No charge after deductible
Outpatient Lab/X-ray 20% after deductible No charge after deductible No charge after deductible
Outpatient Surgery 20% after deductible No charge after deductible No charge after deductible
Hospitalization 20% after deductible No charge after deductible No charge after deductible

 

*HSA-E 3000X & 6550X plans carry an embedded deductible when purchasing a family plan. These plans also offer the option to choose Dean’s Focus network (Dane, Sauk & Rock counties only) for additional premium savings.

 

**Preventive exams are covered in accordance with the recommended preventive services as required by the Patient Protection and Affordable Care Act (PPACA).

Copay Plus 2750X

Subsidy Level Standard 200-250% FPL 150-200% FPL 100-150% FPL
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. $2,750 $2,500 $400 $100
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services $7,150 $5,700 $2,200 $700
Prices before you meet your deductible
Primary Care visits $30 copay $30 copay $30 copay $15 copay
Specialist visits $60 copay $60 copay $60 copay $30 copay
Urgent Care $60 copay $60 copay $60 copay $60 copay
Emergency Room $200 copay before policy deductible & coinsurance
Outpatient Lab/X-ray 30% after deductible 30% after deductible 10% after deductible 5% after deductible
Outpatient Surgery 30% after deductible 30% after deductible 10% after deductible 5% after deductible
Hospitalization 30% after deductible 30% after deductible 10% after deductible 5% after deductible
Copay Plus 2750X Prescription Drugs: Tier 1 Generics: $10 Copay • Tier 2 Preferred Brand: $40 Copay • Tier 3 Non-preferred Brand: 50% Coinsurance • Tier 4 Specialty: 50% Coinurance

Copay Plus 3500X

Subsidy Level Standard 200-250% FPL 150-200% FPL 100-150% FPL
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. $3,500 $3,000 $400 $100
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services $7,150 $5,700 $2,200 $700
Prices before you meet your deductible
Primary Care visits $30 copay $30 copay $30 copay $15 copay
Specialist visits $60 copay $60 copay $60 copay $30 copay
Urgent Care $60 copay $60 copay $60 copay $30 copay
Emergency Room $200 copay before policy deductible & coinsurance
Outpatient Lab/X-ray 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Outpatient Surgery 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Hospitalization 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Copay Plus 3500X Prescription Drugs: Tier 1 Generics: $10 Copay • Tier 2 Preferred Brand: $40 Copay • Tier 3 Non-preferred Brand: 50% Coinsurance • Tier 4 Specialty: 50% Coinurance

Classic 2500X

Subsidy Level Standard 200-250% FPL 150-200% FPL 100-150% FPL
The Basics
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.* $2,500 $2,000 $500 $100
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services* $7,150 $5,500 $2,000 $750
Prices before you meet your deductible
Primary Care visits 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Specialist visits 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Urgent Care 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Emergency Room $200 copay before policy deductible & coinsurance
Outpatient Lab/X-ray 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Outpatient Surgery 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Hospitalization 20% after deductible 20% after deductible 10% after deductible 5% after deductible
Classic 2500X Prescription Drugs: Tier 1 Generics: $10 Copay • Tier 2 Preferred Brand: $40 Copay • Tier 3 Non-preferred Brand: 50% Coinsurance • Tier 4 Specialty: 50% Coinurance

Classic 3750X

Subsidy Level Standard 200-250% FPL 150-200% FPL 100-150% FPL
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.* $3,750 $3,450 $800 $250
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services* $6,750 $5,000 $2,350 $1,000
Prices before you meet your deductible
Primary Care visits 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Specialist visits 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Urgent Care 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Emergency Room $200 copay before policy deductible & coinsurance
Outpatient Lab/X-ray 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Outpatient Surgery 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Hospitalization 20% after deductible 10% after deductible 5% after deductible 5% after deductible
Classic 3750X Prescription Drugs: Tier 1 Generics: $10 Copay • Tier 2 Preferred Brand: $40 Copay • Tier 3 Non-preferred Brand: 50% Coinsurance • Tier 4 Specialty: 50% Coinurance

Value Copay 5000X

Subsidy Level Standard 200-250% FPL 150-200% FPL 100-150% FPL
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.* $5,000 $3,250 $850 $125
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services* $7,150 $5,700 $2,100 $1,000
Prices before you meet your deductible
Primary Care visits $25 copay for 3 visits then 20% coins. after ded. $25 copay for 3 visits then 20% coins. after ded. $25 copay for 3 visits then 5% coins. after ded. $25 copay for 3 visits then 5% coins. after ded.
Specialist visits 20% after deductible 20% after deductible 5% after deductible 5% after deductible
Urgent Care 20% after deductible 20% after deductible 5% after deductible 5% after deductible
Emergency Room $200 copay before policy deductible & coinsurance
Outpatient Lab/X-ray 20% after deductible 20% after deductible 5% after deductible 5% after deductible
Outpatient Surgery 20% after deductible 20% after deductible 5% after deductible 5% after deductible
Hospitalization 20% after deductible 20% after deductible 5% after deductible 5% after deductible
Value Copay 5000X Prescription Drugs: Tier 1 Generics: $10 Copay • Tier 2 Preferred Brand: $40 Copay • Tier 3 Non-preferred Brand: 50% Coinsurance • Tier 4 Specialty: 50% Coinurance

HSA-E 3000X

Subsidy Level Standard 200-250% FPL 150-200% FPL 100-150% FPL
Individual Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. $3,000 $2,000 $1,000 $300
Individual Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services $5,000 $5,000 $2,350 $1,250
Prices before you meet your deductible 20% after deductible
Primary Care visits 20% after deductible
Specialist visits 20% after deductible
Urgent Care 20% after deductible
Emergency Room 20% after deductible
Outpatient Lab/X-ray 20% after deductible
Outpatient Surgery 20% after deductible
Hospitalization 20% after deductible
HSA-E 3000X Prescription Drugs: Policy coinsurance after deductible

*Special Note: These plan options (100-200% FPL) do not meet the IRS qualifications for Health Savings Account (HSA) eligibility.

The list of in-network hospitals include:

• Beaver Dam Community Hospital
• Beloit Memorial Hospital
• Columbus Community Hospital
• Divine Savior Healthcare, Portage
• Edgerton Hospital & Health Services
• Finley Hospital, Dubuque, IA
• Fort Healthcare, Inc., Fort Atkinson
• Grant Regional Health Center, Lancaster
• Gundersen Boscobel Area Health Care
• Memorial Hospital of Lafayette County, Darlington
• Monroe Clinic Hospital
• Moundview Memorial Hospital, Friendship
• Oconomowoc Memorial Hospital
• Reedsburg Area Medical Center
• Richland Hospital, Richland Center
• Ripon Medical Center
• Sauk Prairie Healthcare
• Southwest Health Center, Platteville
• St. Agnes Hospital, Fond du Lac
• St. Joseph’s Health Services
– Gundersen Lutheran,Hillsboro
• SSM Health St. Clare Hospital
– Baraboo
• SSM Health St. Mary’s Hospital – Janesville
• SSM Health St. Mary’s Hospital – Madison
• Stoughton Hospital
• Upland Hills Health, Dodgeville
• Watertown Regional Medical Center
• Waupun Memorial Hospital
• Waukesha Memorial Hosital

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Contact Us
New Enrollments

Phone: (312) 726-6565

Email: [email protected]

Mailing Address:
Dean Health Plan
PO Box 56099
Madison, WI 53705

Dean Health Plan
1277 Deming Way
Madison, WI 53717

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