Wellmark Bronze Modified HMOSM for Families
If you and your family want no coinsurance and a lower cost option to protect you from high-cost medical situations, this simplified plan may be a good fit.
Modified plans provide a simple approach to health insurance and include traditional elements like primary care physician (PCP) copays, but without the coinsurance that comes with a traditional health plan.
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 Modified HMOSM|
|Premium||View on HealthCare.gov 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 maximum2||Family: $17,400|
|Coinsurance - member pays||0%|
|Virtual visits through Doctor On Demand®3||$30|
|Primary care office services4||$85|
|Non-primary care office services||$150|
|Emergency room care5||$1,200|
|Prescription drugs: Blue Rx EssentialsSM Formulary/CVS Specialty® Program||Tier 1: $35
All other tiers: deductible applies (medical/drug deductible combine)
Prescription costs matter
With a Wellmark Bronze Modified 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.