Wellmark Gold Modified HMOSM for Families
If you and your family want lower out-of-pocket expenses with no coinsurance when receiving frequent care, consider a simplified gold plan.
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 gold tier, overall Wellmark pays about 80 percent and you'll pay about 20 percent of the plan's cost-sharing requirements, which can include the deductible, coinsurance and copays. Consider a gold plan for lower out-of-pocket costs.
|Plan Details||Wellmark Gold 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: $11,600|
|Coinsurance - member pays||0%|
|Virtual visits through Doctor On Demand®3||$10|
|Primary care office services4||$30|
|Non-primary care office services||$70|
|Emergency room care5||$500|
|Prescription drugs: Blue Rx EssentialsSM Formulary/CVS Specialty® Program||Tier 1: $15
Tier 2: $50
Tier 3: $100
Specialty preferred: $300
Prescription costs matter
With a Wellmark Gold 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.