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Wellmark Bronze High-Deductible Health PlanSM* for Families

If you and your family have a good understanding of your future medical needs and want to use a health savings account (HSA) Glossary popover, consider a high-deductible health plan (HDHP).

High-deductible health plans (HDHP) put you in the driver's seat by giving you more control of your health care costs. Because you pay the full cost of care received (excluding preventive care) and prescriptions until you reach your deductible, an HDHP encourages engagement in your health care.

With a bronze tier, overall Wellmark pays about 60 percent and you'll pay about 40 percent of the plan's cost-sharing requirements, which can include the deductible, coinsurance and copays. Consider a bronze plan if you want lower monthly premiums compared to gold and silver plans.

Plan Details Wellmark Bronze HDHP HMOSM
Premium View on External Site
Network: Wellmark Blue HMOSM View in-network providers External SiteEnter your location, browse a list of plans and choose Wellmark Blue HMO.
Deductible and out-of-pocket maximum Family1: $14,400
Free2: Preventive Care Free
Lowest Cost: Virtual visit through Doctor On Demand®3 $
Low cost: Primary care provider office visit4, facility lab/X-ray, urgent care $
Medium cost: Specialist office visit, outpatient physical therapist, home health care $$
High cost: Emergency room, ambulatory, inpatient hospitalization $$$
Prescription drugs: Blue Rx EssentialsSM Formulary/CVS Specialty® Program All tiers: deductible applies (medical/drug deductible)

Prescription costs matter

With a Wellmark Bronze HDHP HMOSM plan, your pharmacy benefits are easy to navigate with Blue Rx EssentialsSM. You'll know exactly what you'll pay without any hidden costs or fees. Search the drug list External Site to check current or anticipated prescriptions.

Drug tier 1 has the lowest payment obligation. It includes most generics and select branded drugs that have no generic equivalent.

Drug tier 2 has a higher payment obligation than Tier 1 and is made up of drugs that are preferred based on effectiveness when compared to similar drugs.

Drug tier 3 also increases out-of-pocket costs. It consists of non-preferred drugs that have reasonable, more cost-effective alternatives on Tier 1 or Tier 2.

Biosimilar and generic specialty drugs are safe, effective and less costly than specialty treatment options. According to the Food and Drug Administration (FDA), a biosimilar is highly similar to and has no meaningful differences from an existing FDA-approved product.

Specialty drugs are split into two categories — preferred and non-preferred. Preferred drugs are proven to treat complex or rare conditions.

Make sure you write down your plan name! You'll need it to get your premium and enroll.

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* The deductible applies for all services under the Wellmark Bronze HDHP Plan except in the case of preventive services. This chart is illustrative in nature and is intended to demonstrate the cost levels of typical health care services. For example, your out-of-pocket cost to visit a non-primary care provider will be significantly lower than the cost of an emergency room visit. For an exhaustive list of covered and non-covered services, please refer to the plan's coverage manual.
1 The family deductible and out-of-pocket maximum can be met through any combination of family members. No one member will be required to meet more than the single deductible or out-of-pocket maximum amount to receive benefits for covered services during the benefit period.
2 Preventive care exams (such as annual physical, annual gynecological, and well-child) must be received from an in‑network doctor.
3 The lower virtual visit copay only applies to Doctor On Demand. All other virtual visits apply the plan's PCP or non-PCP copay.
4 The cost associated to primary care provider office visits applies to nurse midwives, family practitioners, general practitioners, obstetricians/gynecologists, pediatricians, physician assistants, advanced registered nurse practitioners. This cost also applies to in-network chiropractors, physical therapists, occupational therapists, speech pathologists and in some cases, mental health or chemical dependency visits. All other in-network practitioners are subject to the non-primary care provider office cost.