Silver Simple PCP Saver CSR 150 - EPO

(94% cost sharing reduction)
Plan summary
Get our guide to the Essential Health Benefits covered by this plan and all other Marketplace plans.
Your premium is the amount you pay for health insurance each month.
Deductible
$0 per person
$0 per person
Your deductible is the amount you pay for healthcare services before your insurance starts helping you cover the cost.
Depending on the plan, some basic services (like doctor visits and prescriptions) may be covered before your deductible is met.
Out-of-pocket max
$1,850 per person
$3,700 per family
This is the most you will have to pay for healthcare services during your coverage period (typically 12 months).
After you spend this amount on deductibles, copayments, and coinsurance, your health insurance plan will pay the rest.
Note: monthly premiums don’t count towards your out-of-pocket max.
Network type
EPO
The type of network you choose (HMO, PPO, POS, or EPO) will determine which providers (doctors, pharmacies, hospitals, and specialist) you can see.
HMO plans usually limit coverage to providers who are within the plan’s network, and require a doctor’s referral to see specialists.
PPO plans usually cover some of the cost of out-of-network providers (but not as much as for in-network providers), and don’t require a doctor’s referral to see specialists.
EPO is a managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency).
Metal tier
Silver
Metal levels (which include bronze, silver, gold, and platinum) determine how you will split the cost of your healthcare services with your insurance carrier.
Bronze plans have the lowest monthly premiums and the highest costs when you need care
Silver plans have moderate monthly premiums and moderate costs when you need care.
Gold plans have high monthly premiums and low costs when you need care.
Platinum plans have the highest monthly premiums and the lowest costs when you need care.
Doctor visits
This can include any visits to your doctors (outside of regular checkups) within your plan's network.
Cost share applies to both in-person and telemedicine services. Your PCP provides your primary health care, orders lab tests and x-rays, prescribes medicines or therapies and arranges hospitalization when necessary. Your PCP may be a family practitioner, a general practitioner, an internal medicine specialist, a pediatrician, an obstetrician/gynecologist, a nurse practitioner or a physician assistant.You may choose to seek services from a Participating Provider without referral from your PCP at any time
This is the amount you’re responsible for when receiving primary care services.
For example, this could be an appointment with your primary care provider for a routine checkup or screening.
Cost share applies to both in-person and telemedicine services. Referral care is care provided by a Health Professional or Physician other than your PCP. You may request a second medical opinion from a Participating Specialist Provider who has skills and training substantially similar to those of the Physician making the original treatment recommendation without Prior Approval. If there are no Participating Providers with the skills and training needed to provide a second opinion on the proposed treatment, we may Cover a second medical opinion from a Non-Participating Specialist Provider. Prior Approval from Priority Health is required before the second opinion is obtained. Any tests, procedures, treatments or surgeries recommended by the consulting Provider must be performed by a Participating Provider unless we approve the services in advance.
This is the amount you’re responsible for when visiting a specialist (a medical professional who specializes in different types of diseases or conditions).
For example, a dermatologist, cardiologist, or pathologist.
Covered preventive health care services include: (a) Immunizations (doses, recommended ages, and recommended populations vary), Certain vaccines-children from birth to age 18. Certain vaccines-all adults
There are dozens of preventive care services available for free with every plan, including check-ups, counseling, screenings, and immunizations
To learn more, scroll down to the Free Preventive Care section below.
Emergency / Surgery
These are the costs you’re responsible for in the case of an emergency or surgery.
Virtual urgent care services provided by Oscar-designated virtual care providers are covered in full. Medical Emergency care and Urgent Care services are Covered under this Certificate.
An urgent care center can be a convenient option if you have a non-life-threatening injury and your doctor is not available.
Urgent care is usually less expensive than going to the Emergency Room, and will usually have shorter wait times for non-life-threatening injuries.
Medical Emergency care and Urgent Care services are Covered.
This is the amount you’re responsible for when receiving emergency room services.
Ambulance includes a motor vehicle or aircraft that is primarily used or designated as available to provide transportation and basic life support, limited advanced life support, or advanced life support. In a Medical Emergency, we will Cover EMT and ambulance service to the nearest medical facility that can provide Medical Emergency care. We will Cover ambulance transfers between facilities that we approve in advance.
This is the amount you’re responsible for when receiving ambulatory services.
(a) Hospital Inpatient Care. Hospital and long term acute inpatient services and supplies including services performed by Physicians and Health Professionals, room and board, general nursing care, drugs administered while you are confined as an inpatient, and related services and supplies.
This is the amount you’re responsible for when using the facilities and equipment at a hospital.
(a) Hospital Inpatient Care. Hospital and long term acute inpatient services and supplies including services performed by Physicians and Health Professionals, room and board, general nursing care, drugs administered while you are confined as an inpatient, and related services and supplies.
This is the amount you’re responsible for when receiving services provided by a physician, surgeon, medical doctor, or other specialist.
Outpatient services and supplies furnished by a surgery center along with a Covered surgical procedure on the day of the procedure.
This is the amount you’re responsible for when using the equipment and facilities at a hospital.
Specifically, during a procedure that does not require overnight hospitalization.
Outpatient services and supplies furnished by a surgery center along with a Covered surgical procedure on the day of the procedure.
This is the amount you’re responsible for when receiving services provided by a physician, surgeon, or other specialist.
Specifically, during a procedure that does not require overnight hospitalization.
Therapy and/or Rehabilitative Medicine Services that result in meaningful improvement in your ability to perform functional day-to-day activities that are significant in your life role, physical and occupational therapy, speech therapy for treatment of medical diagnoses, biofeedback for treatment of medical diagnoses. NOTE: Covered physical and occupational therapy services include spinal manipulations by a chiropractor and all manipulations by osteopathic Physicians. Short-term Rehabilitative Medicine Services are Covered if: Treatment is provided for an Illness, Injury or congenital defect for which you have received corrective surgery, and they are provided in an outpatient setting or in the home, and and they result in meaningful improvement in your ability to do important day-to-day activities that are necessary in your life roles within 90 days of starting treatment, and a Participating Physician refers, directs, and monitors the services.
This includes physical and occupational therapy, speech pathology, and psychiatric rehabilitation services.
Pregnancy
Every ACA health insurance plan covers healthcare services provided before and after your child is born. Here is a breakdown of the costs associated with your plan.
This is the amount you’re responsible for when receiving well baby care.
These services may include developmental screenings, counseling, behavioral assessments, plus more.
Covered Services(a) Hospital and Provider care. Services and supplies furnished by a Hospital or Provider for prenatal care, including genetic testing, postnatal care, Hospital delivery, and care for the Complications of Pregnancy. The mother and Newborn have the right to an inpatient stay of no less than 48 hours following a normal vaginal delivery or no less than 96 hours following a cesarean section. If the mother and her attending Physician agree, the mother and the Newborn may be discharged from the Hospital sooner. (b) Newborn child care. A Newborn child (including necessary care and treatment of medically diagnosed congenital defects and birth abnormalities) for the first 31 days from birth. Telephone assessment and home visits by a registered nurse shortly after the date of the mother's discharge for evaluation of the mother, Newborn and family. These services are only available if your Provider identifies a medical need. (d) Maternity education programs
This is the amount you will pay for your labor, delivery, and hospital stay.
Prescriptions
Prescription coverage and cost is usually based on a tiered structure. These tiers are determined by generic, brand, or speciality drugs.
Prescription Drugs and Supplies, Drugs and supplies that are prescribed and received during a Covered inpatient stay are Covered as medical benefits.drugs for cancer therapy and the reasonable cost of administering them are Covered.
This is the amount you will pay for a generic drug prescription.
Prescription Drugs and Supplies, Drugs and supplies that are prescribed and received during a Covered inpatient stay are Covered as medical benefits.drugs for cancer therapy and the reasonable cost of administering them are Covered.
This is the amount you will pay for a brand name drug prescription.
Prescription Drugs and Supplies, Drugs and supplies that are prescribed and received during a Covered inpatient stay are Covered as medical benefits.drugs for cancer therapy and the reasonable cost of administering them are Covered.
This is the amount you will pay for a non-preferred brand name drug prescription.
Prescription Drugs and Supplies, Drugs and supplies that are prescribed and received during a Covered inpatient stay are Covered as medical benefits.drugs for cancer therapy and the reasonable cost of administering them are Covered.
This is the amount you will pay for a speciality drug prescription.
Diagnostics / Labs / Imaging
This is the amount you're responsible for when receiving blood work, tests, or x-rays your doctor may need for diagnosing.
This is the amount you’re responsible for when having an x-ray.
Diagnostic and therapeutic radiology services and laboratory tests. All non-emergency laboratory tests, including high-tech radiology examinations, must be performed at a participating laboratory or facility. Radiology services and laboratory tests performed in a Hospital, either while you are an inpatient or an outpatient.
This is the amount you’re responsible for when having an MRI, CET, PET scan.
This is the amount you’re responsible for when receiving blood work.
Mental health
Under the Affordable Care Act, all Marketplace plans are required to cover behavioral health treatment, mental and behavioral health inpatient services, as well as substance use treatment.
This plan Covers evaluation, consultation and treatment necessary to determine a diagnosis and treatment plan for both acute and chronic mental health conditions. Both crisis intervention and solution-focused treatment are Covered. The cost sharing that displays applies to outpatient office visits only. All other outpatient services, such as Partial Hospitalization and Intensive Outpatient Program, may be subject to additional cost sharing. Please refer to the plan policy documents for detailed information.
This is the amount you’re responsible for when you have a procedure that does not require overnight hospitalization.
This plan Covers evaluation, consultation and treatment necessary to determine a diagnosis and treatment plan for both acute and chronic mental health conditions. Acute Inpatient Hospitalization.
This is the amount you’re responsible for when you’re admitted or receiving treatment at a psychiatric hospital.
The Affordable Care Act requires that all health insurance plans cover preventive care for free. Preventive care services focus on managing and maintaining your health before something becomes serious. This includes routine check-ups, counseling, screenings, and immunizations. Grab our free guide to preventive care to refer back to later.
Abdominal aortic aneurysm one-time screening
For men of specified ages who have ever smoked
Free
Alcohol misuse screening and counseling
To prevent cardiovascular disease for men and women of certain ages
Free
Cholesterol screening
For adults of certain ages or at higher risk
Free
Colorectal cancer screening
For adults over 50
Free
Diabetes (Type 2) screening
For adults with high blood pressure
Free
Diet counseling
For adults at higher risk for chronic disease
Free
Hepatitis B screening
For people at high risk
Free
Hepatitis C screening
For adults at increased risk, and one time for everyone born 1945 – 1965
Free
HIV screening
For everyone ages 15 to 65, and other ages at increased risk
Free
Lung cancer screening
For adults 55 - 80 at high risk for lung cancer
Free
Syphilis screening
For adults at higher risk and all pregnant women
Free
Tobacco Use screening
For all adults and cessation interventions for tobacco users
Free
Official documents
If you'd like to see the official documents from the health insurance company, we've provided links to those here.
Get a quote for this plan