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October 5, 2017
Q: What’s the difference between the IHC Bridge, Edge, and Net plans?
A: The biggest differences between the plans is (1) the maximum payout and (2) the coverage caps and (3) the doctor’s networks.
(1) Maximum payouts – Edge plans payout up to $1 million, while Bridge and Net plans have a $2 million
(2) Coverage caps – Edge and Bridge plans have more specific benefit limits for specific services (ie there’s a cap on how much they’ll pay for an ambulance on Edge and Bridge plans, while Net plans have no specific limit)
(3) Doctor’s networks – Bridge and Edge plans are PPOs where you get a discount for going in-network, but you have the freedom to go anywhere and your deductible is the same in or out of network. Secure Net plans have a separate in- and out-of-network deductible, so you’re encouraged to use an in-network provider to save costs.
Check out this table below for a full comparison, and you can also download the individual plan guides below.
Plan Designs | Secure Edge | Secure Bridge | Secure Net |
Office visit copay | $50 1 copay for 30-90 days 2 copays for 91-180 days 3 copays for 181-364 days | $50 1 copay for 30-90 days 2 copays for 91-180 days 3 copays for 181-364 days | $50 1 copay for 30-90 days 2 copays for 91-180 days 3 copays for 181-364 days |
Deductible | $1,000 $2,500 $5,000 $7,500 | $1,000 $1,500 $2,500 $5,000 $7,500 $10,000 | In-Network: $3,500 $5,000 $7,500 $10,000 Out-of-network deductible is two times the in-network deductible. |
Coinsurance and out-of-pocket (not including deductible) | 20% – $1,000, $2,000, $3,000, $4,000 50% – $2,500, $5,000, $7,500, $10,000 | 20% – $1,000, $2,000, $3,000, $4,000 30% – $1,500, $3,000, $4,500, $6,000 50% – $2,500, $5,000, $7,500, $10,000 | In-Network: 0%1 – $0 20% – $3,500, $5,000, $7,500, $10,000 30% – $3,500, $5,000, $7,500, $10,000 Out-of-network coinsurance is 50% and the out-of-pocket is two times the in- network out-of-pocket ($7,000 for 0%/$0). |
Maximum benefit | $1,000,000 | $2,000,000 | $2,000,000 |
Doctor administering anesthetics | Up to 20% of the surgeon’s benefit 2 | Up to 20% of the surgeon’s benefit | No benefit-specific limit |
Assistant surgeon | Up to 20% of the surgeon’s benefit 2 | Up to 20% of the surgeon’s benefit | No benefit-specific limit |
Surgeon’s assistant | Up to 15% of the surgeon’s benefit 2 | Up to 15% of the surgeon’s benefit | No benefit-specific limit |
Ambulance, ground or air services | Up to $250 per occurrence | Ground: Up to $500 per occurrence Air: Up to $1,000 per occurrence | No benefit-specific limit |
Organ, tissue or bone marrow transplants | Up to $150,000 per coverage period | Up to $150,000 per coverage period | Up to $150,000 per coverage period |
Acquired Immune Deficiency Syndrome (AIDS) | Up to $10,000 per coverage period | Up to $10,000 per coverage period | Up to $10,000 per coverage period |
Emergency room | Up to $500 per day | No benefit-specific limit | No benefit-specific limit |
Outpatient hospital surgery or ambulatory surgical center | Up to $1,000 per day | No benefit-specific limit | No benefit-specific limit |
Hospital room, board and general nursing care | The amount billed for semi- private room or 90% of the private room billed amount, up to $5,000 per day | The amount billed for semi- private room or 90% of the private room billed amount | The amount billed for semi-private room or 90% of the private room billed amount |
Intensive care unit | Three times the amount billed for a semi-private room or three times 90% of the private room billed amount, up to $6,250 per day | Three times the amount billed for a semi-private room or three times 90% of the private room billed amount | Three times the amount billed for a semi- private room or three times 90% of the private room billed amount |
Inpatient doctor visits | Up to $500 per confinement | No benefit-specific limit | No benefit-specific limit |
Includes one-time $25 enrollment fee |
1 The $3,500 deductible is not available with the 0% in-network coinsurance selection.
2 These benefits are limited to $2,500 per surgery for all covered expenses combined, not to exceed $5,000 per coverage period. Benefits may vary by state.
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