HealthPartners

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Plan Overviews

With the Standard Option Plan, your plan pays for the first three visits – before you reach your deductible. So you can get the care you need without paying for the doctor’s visit. The first three visits are free for each person on your plan. You can go to your regular clinic, urgent care or a convenience clinic. You’ll save around $100 for each visit. If there are extra costs, like lab work, X-rays or other therapy, you’ll pay for those until you reach your deductible.

Preventative Care
Immunizations, routine hearing, vision screenings and exams You pay nothing
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

Individual: $1,000

Family: $2,000

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

 Individual: $5,000

Family: $10,000

Preventative Dental Care All charges
Office and Online Visits

Illness or Injury

Convenience Clinics

Mental/Chemical Health outpatient

Urgent Care

Three visits free per member, per year*, then 20% after deductible
Chiropractic Services 20% after deductible
virtuwell.com Three free visits per member, per year
Maternity Care You pay nothing for routine prenatal care, postnatal care and delivery
Prescriptions – GENERICS ADVANTAGE Rx
Filled at Contracted Pharmacy

·$5 copay for low-cost preferred generics

·$25 copay for high-cost preferred generics

·$45 copay for brand name formulary after deductible

·$90 copay for non-formulary after deductible

Specialty Medicines 20% after deductible
Mail order (90-day supply)

·$10 copay for low-cost preferred generics

·$50 copay for high-cost preferred generics

·$90 copay for brand name formulary after deductible

·$180 copay for non-formulary after deductible

Lab and Diagnostic Services
MRI/CT (Scheduled outpatient or office) 20% after deductible
Other than MRI/CT 20% after deductible
Hospital Care
Inpatient Care 20% after deductible
Outpatient Care 20% after deductible
Mental/Chemical Health inpatient 20% after deductible
Emergency Services
Emergency Room 20% after deductible
Worldwide Emergency Care while traveling 20% after deductible
Biweekly Rates
Non-Postal Employee pays

Individual: $49.16

Family: $119.77

Postal Employee (Category 1)

Individual: $42.77

Family: $104.20

Postal Employee (Category 2)

Individual: $40.81

Family: $99.41

 

Preventative Care
Immunizations, routine hearing, vision screenings and exams You pay nothing
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

Individual: $1,000

 

Family: $2,000

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

Individual: $5,000

 

Family: $10,000

Preventative Dental Care All charges
Office and Online Visits

Illness or Injury

 

Convenience Clinics

Mental/Chemical Health outpatient

Urgent Care

Three visits free per member, per year*, then 20% after deductible
Chiropractic Services 20% after deductible
virtuwell.com Three free visits per member, per year
Maternity Care You pay nothing for routine prenatal care, postnatal care and delivery
Prescriptions – GENERICS ADVANTAGE Rx 
Filled at Contracted Pharmacy

• $5 copay for low-cost preferred generics

 

• $25 copay for high-cost preferred generics

• $45 copay for brand name formulary after deductible

• $90 copay for non-formulary after deductible

Specialty Medicines 20% after deductible
Mail order (90-day supply)

• $10 copay for low-cost preferred generics

 

• $50 copay for high-cost preferred generics

• $90 copay for brand name formulary after deductible

• $180 copay for non-formulary after deductible

Lab and Diagnostic Services
MRI/CT (Scheduled outpatient or office)

20% after deductible

 

Other than MRI/CT 20% after deductible
Hospital Care
Inpatient Care

20% after deductible

 

Outpatient Care 20% after deductible
Mental/Chemical Health inpatient 20% after deductible
Emergency Services
Emergency Room 20% after deductible
Worldwide Emergency Care while traveling 20% after deductible
Biweekly Rates
Non-postal Employee

Individual: $49.16

 

Family: $119.77

Postal Employee (Category 1)

Individual: $42.77

 

Family: $104.20

Postal Employee (Category 2)

Individual: $40.81

 

Family: $99.41

 

  Atlas $6850 Plus Bronze Atlas $7150 Bronze
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

$6,850 per person

$13,700 family maximum

Out of network: $10,000 per person, $20,000 family maximum

$7,150 per person

$14,300 family maximum

Out of network: $10,000 per person, $20,000 family maximum

CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max

You pay 40%

Out of network: You pay 50%

You pay nothing

Out of network: you pay 50%

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 per person

$14,300 family maximum

Out of network: no maximum

$7,150 per person

$14,300 family maximum

Out of network: No maximum

Preventative Care You pay nothing You pay nothing

Convenience Care and Office Visits*

First three visits per person, per year have a copay. **

$50 office visits

$25 convenience care

$50 urgent care Then you pay 40% after deductible

You pay nothing after deductible

Behavioral Health

First three visits per person, per year have a copay. **

$50 office visits Then you pay 40% after deductible

You pay nothing after deductible

virtuwell

Unlimited free visits Unlimited free visits
Emergency Room Visits You pay 40% after deductible You pay nothing after deductible
Prescription Medicines

$25 generic formulary

You pay 40% after deductible for Brand formulary

You pay 50% after deductible for non-formulary

You pay nothing after deductible

Laboratory Services

You pay 40% after deductible

You pay nothing after deductible

Inpatient and outpatient hospital care

Outpatient MRI and CT

Durable medical equipment

You pay 40% after deductible

You pay nothing after deductible

Maternity You pay 40% after deductible You pay nothing after deductible

 

  Atlas $2200 Plus Silver Atlas $3500 Plus Silver
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

$2,200 per person

$4,400 family maximum

Out of network: $10,000 per person, $20,000 family maximum

$3,500 per person

$7,000 family maximum

Out of network: $10,000 per person, $20,000 family maximum

CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max

You pay 25%

Out of network: You pay 50%

You pay 20%

Out of network: you pay 50%

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 per person

$14,300 family maximum

Out of network: no maximum

$7,150 per person

$14,300 family maximum

Out of network: No maximum

Preventative Care You pay nothing You pay nothing

Convenience Care and Office Visits*

First three visits per person, per year have a copay. ***

$30 office visits

$15 convenience care

$30 urgent care Then you pay 25% after deductible

$30 office visit for primary care

$65 office visit for specialty care

$15 convenience care

$75 urgent care

Behavioral Health

First three visits per person, per year have a copay. ***

$30 office visits Then you pay 25% after deductible

$30 office visits

virtuwell

Unlimited free visits Unlimited free visits
Emergency Room Visits You pay $250 for your first visit each year* Then you pay 25% after deductible for additional visits You pay $400 copay after deductible
Prescription Medicines

$12 generic formulary

You pay 25% after deductible for Brand formulary

You pay 50% after deductible for non-formulary

$15 generic formulary

$50 Brand formulary

$100 non-formulary

Laboratory Services

You pay 25% after deductible

You pay 20% after deductible

Inpatient and outpatient hospital care

Outpatient MRI and CT

Durable medical equipment

You pay 25% after deductible

You pay 20% after deductible

Maternity You pay 25% after deductible You pay 20% after deductible
  Atlas $500 w/Copay Gold
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

$500 per person

$1,000 family maximum

Out of network: $10,000 per person, $20,000 family maximum

CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max

You pay 20%

Out of network: You pay 50%

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

$7,000 per person

$14,000 family maximum

Out of network: no maximum

Preventative Care You pay nothing

Convenience Care and Office Visits*

Unlimited number of visits per person, per year have a copay:

$10 office visits primary care

$30 specialty care

$5 convenience care

$30 urgent care

Behavioral Health

Unlimited number of visits per person, per year have a copay:

$10 office visit

virtuwell

Unlimited free visits
Emergency Room Visits You pay 20% after deductible
Prescription Medicines

$5 low cost generic formulary

$25 high cost generic formulary

You pay 20% after deductible for Brand formulary

You pay 50% after deductible for non-formulary

Laboratory Services

You pay nothing

Inpatient and outpatient hospital care

Outpatient MRI and CT

Durable medical equipment

You pay 20% after deductible

Maternity You pay 20% after deductible

 

  Atlas $7150 Catastrophic
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

$7,150 per person

$14,300 family maximum

Out of network: $10,000 per person, $20,000 family maximum

CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max

You pay 20%

Out of network: You pay 50%

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

You pay nothing

Out of network: You pay 50%

Preventative Care You pay nothing

Convenience Care and Office Visits*

First three primary care visits per person, per year have a copay:

$30 office visits

$15 convenience care then you pay nothing after deductible

You pay nothing after deductible for urgent care

Behavioral Health

You pay nothing after deductible

virtuwell

Your first three visits are free

Then you pay nothing after deductible

Emergency Room Visits You pay nothing after deductible
Prescription Medicines You pay nothing after deductible
Laboratory Services You pay nothing after deductible

Inpatient and outpatient hospital care

Outpatient MRI and CT

Durable medical equipment

You pay nothing after deductible
Maternity You pay nothing after deductible

 

  Atlas $3000 HSA Silver Atlas $6550 HSA Bronze
Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.

$3,000 per person

$6,000 family maximum

Out of network: $10,000 per person, $20,000 family maximum

$6,550 per person

$13,100 family maximum

Out of network: $10,000 per person, $20,000 family maximum

CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max

You pay 15%

Out of network: You pay 50%

You pay nothing

Out of network: You pay 50%

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

$6,550 per person

$13,100 family maximum

Out of network: No maximum

$6,550 per person

$13,100 family maximum

Out of network: No maximum

Preventative Care You pay nothing You pay nothing

Convenience Care and Office Visits

You pay 15% after deductible

You pay nothing after deductible

Behavioral Health

You pay 15% after deductible You pay nothing after deductible

virtuwell

Unlimited free visits after deductible

Unlimited free visits after deductible
Emergency Room Visits You pay 15% after deductible You pay nothing after deductible
Prescription Medicines You pay 15% after deductible You pay nothing after deductible
Laboratory Services You pay 15% after deductible You pay nothing after deductible

Inpatient and outpatient hospital care

Outpatient MRI and CT

Durable medical equipment

You pay 15% after deductible

You pay nothing after deductible

Maternity You pay 15% after deductible You pay nothing after deductible

 

Dental Plans
Maintenance Plan Major Plan Comprehensive Plan

In-Network

Out-of-network

In-network

Out-of-network

In-network Out-of-network
Preventive (check-ups and X-rays)

100%

80%

0%

0%

100% 80%
Sealants

100%

80%

100%

80%

100% 80%
Fillings 80% 50% 80% 50% 80% 50%

White fillings on back teeth

50%

50%

50%

50%

50%

50%

Basic Services

0%

0%

50-80%

50%

50-80%

50%

Surgical Services

0%

0% After Six Months
50% 50% 50% 50%
Major restorative (crowns, bridges, etc.) 0% 0% After 12 Months
50% 25% 50% 25%

Annual benefit

$1,250

$750

$1,250

$750

$1,250 $750
Annual deductible $50 $75 $50 $75 $50 $75

 

Rates*

Maintenance Plan

Major Plan

Comprehensive Plan

HealthPartners Dental Group

HealthPartners Dental Group

HealthPartners Dental Group

Under age 50

$28.21

Under age 50

$21.43

Under age 50

$38.46
Age 50 and over $33.81 Age 50 and over $25.74 Age 50 and over $46.17

Dependent Rates

Dependent Rates

Dependent Rates

1 child

$26.80

1 child

$20.36

1 child

$36.56

2 children

$53.62

2 children $40.74 2 children $73.12
3 or more children $80.43 3 or more children $61.11 3 or more children $109.68
Open Access Open Access Open Access
Under age 50 $34.51 Under age 50 $28.38 Under age 50 $47.16

Age 50 and over

$40.05

Age 50 and over

$34.08

Age 50 and over

$56.60
Dependent Rates Dependent Rates Dependent Rates
1 Child $32.79 1 Child $26.96 1 Child $44.80
2 Children $65.60 2 Children $53.92 2 Children $89.60
3 or More Children $98.40 3 or More Children $80.88 3 or More Children $134.43
Perks and Benefits

 

Frequent Fitness

Work out 12 times or more in a month, and get reimbursed $20. Just show your insurance card at the front desk of your gym. They’ll get you signed up and will track your workouts. It’s that easy.

 

Healthy Discounts

 

Get discounts for fitness classes and exercise equipment. Save money on groceries and diapers. And find savings for skin care products, recovery programs and more. There are more than 80 places to save.

 

Discounts on contacts and glasses

 

When you get HealthPartners insurance, you also get discounts on contacts, glasses and eye exams. As a HealthPartners member, you get discounts on eye care through EyeMed Vision Care. You can get savings at thousands of independent eye clinics, as well as optical retailers like LensCrafters, Pearle Vision and Target Optical. Your discounts include:

 

  • 35 percent savings on glasses frames
  • $50 for standard plastic lenses
  • 15 percent savings on contact lens materials

 

Help when I’m traveling

 

Traveling should be fun. And although unexpected trouble can quickly make a trip stressful, one phone call can bring you peace of mind. Assist America is available to anyone who has HealthPartners, and it doesn’t cost you anything. If you’re more than 100 miles from home, call Assist America 24/7 to get free help with:

 

  • Filling lost prescriptions
  • Finding good doctors
  • Getting admitted to a qualified hospital
  • Tracking down lost luggage
  • Finding a translator

 

Help with the tough stuff

 

Don’t you wish there was someone to help with the tough stuff? Now there is. With the Assistance Program, you get 24/7, unlimited access to helpful resources. Don’t worry; it’s all confidential. Nothing is shared with your employer or your insurance plan.

Counselors are available 24/7 to help with:

  • Divorce and marital challenges
  • Grief and loss
  • Job stress
  • Mental and emotional health
  • Parenting
  • Legal issues

Staff is available 24/7 to help with:

  • Finding a car
  • Finding the right child care
  • Finding a good elder care center
  • Finding an apartment
  • Developing your career
  • Saving money

Apply Online Now

Contact Us

Phone: (312) 726-6565
Email: [email protected]

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