Individual Health Plans
Fidelity Associates offers several different medical insurance plan options for all age groups 64 and under. These plans are health underwritten, and a health questionnaire needs to be completed for each member of the family. You can click on the link below to get started!
| |
LIFEWISE
WISECHOICES 20
|
ASURIS NW
CLARITY 80 |
| Coverage Acceptance |
Medically Underwritten |
Medically Underwritten |
| Policy Period |
Continuous with Payment |
Continuous with Payment |
| Eligibility |
Available to anyone |
Available to anyone |
| MEDICAL |
| Maximum Benefit/Period |
$2,000,000 per lifetime |
$2,000,000 per lifetime |
| Deductible/Period |
$1,000 per calendar year |
$1,500 per calendar year |
| ADDITIONAL CO-PAYS |
| Emergency Room |
$100- waived if admitted
(subject to deductible)
|
$100 - waived if admitted |
| Doctor Visits |
$30 CoPay |
20% CoPay |
| Prescription Maximum |
$3,000 per calendar year |
$3,000 per calendar year |
| Co-Pays-Generic |
$10 (no limitations) |
$10 |
| Brand Name |
$45 |
30%-Your cost share |
| Non-Formulary |
50% |
50% |
| COINSURANCE - COMPANY PAYS |
| In-Network |
80% |
80% |
| Out of Network |
50% |
50% |
| Maximum Out of Pocket |
$8,500 per calendar year |
$3,000 per calendar year |
| Hospital In Patient |
80% after deductible |
80% in Network |
| Professional Services |
$30 CoPay |
80% in Network |
| Preventive Care |
$30 CoPay |
100% ( $400 Annual Max) |
| |
Covered expenses include annual Pap screening for women ages 18 & older and one baseline mammogram between ages of 35 & 40. Women 40 & older are covered for an annual mammogram per policy year, subject to Co-Pays. |
| Vision |
Exam 100% (1 per 2 years)
$200 Hardware |
$20 Co-Pay/$400 Hardware |
| Maternity |
Same as other conditions |
Same as other conditions |
| Routine Dental Care |
No Benefits |
No Benefits |
| Global Medical Emergency Assistance |
Included |
Included |
| Mental Health |
Inpatient - 6 day max.
Outpatient - 6 visits max. |
Inpatient - 8 day max
Outpatient - 12 visits max. |
| Substance Abuse |
Included if caused by a Mental Health condition |
Included if caused by a Mental Health condition |
PREMIUMS as of August 2008
The costs for these plans are based on age and smoking status. We have provided some examples: |
| |
LIFEWISE |
ASURIS NW CLARITY 80 |
| |
Annual |
Monthly |
Annual |
Monthly |
24 or Younger
Non-Smoker |
$2,040 |
$170 |
$1,884 |
$157 |
25 to 29
Non-Smoker |
$2,292 |
$191 |
$2,160 |
$180 |
| Child |
$1,692 |
$141 |
$1,728 |
$144 |
| Children (2+) |
Above rates are per child |
$3,300 |
$275 |
Print this page
If you have questions about these two plans, please call Fidelity at 509-462-7877 or 1-800-223-7954 and ask for Maureen Strom.
To Apply for Coverage
To apply for coverage please click on the appropriate logo below.
Definitions
| Deductible |
A deductible is an amount payable by the subscriber for health care before certain contractual benefits are available. Some benefits may be payable without a deductible. |
| Coinsurance |
Percentage of cost share after the deductible has been met |
| Maximum Out-of-Pocket |
This is the maximum amount an individual will pay per contract before the policy will pay 100% thereafter for covered services received. Copays do not apply |
| 
