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Individual Medical Plans at a Glance

All of our plan designs give you the freedom to see any licensed provider you choose, but with a better benefit if you access a preferred providerA provider contracted within a network. By choosing a preferred provider, the member's out-of-pocket expenses will be less than if he or she chooses a physician outside the network. from our statewide network. Coverage varies from plan to plan, so look for the features that best fit your healthcare preferences.

Benefits | Rates Maximizer (PPO)
The Maximizer plan is ideal for individuals who want broad coverage for a range of services, including pharmacy benefits.
Deductible Choices Co-PayThe insured patient's share of the total medical bill, usually expressed as a specific dollar amount paid for a given service, product or treatment. For example, the patient might pay $20 for each doctor's office visit. The patient is usually responsible for payment at the time of the treatment or service. Office Visit Pharmacy
$1,000 / $2,500 / $5,000 $20 $20 $15 generics or
50% brand
Benefits | Rates Beneficial Rx (PPO)
The Beneficial Rx plan is best for those looking for a higher level of benefits and a lower total out-of-pocketA specified amount of applicable claims expenses in a plan year that must be met before benefits are paid in full. Once the member has met his or her out-ofpocket maximum, the plan begins covering eligible expenses at 100 percent. The out-of-pocket maximum starts over every plan year. cost.
Deductible Choices Co-PayThe insured patient's share of the total medical bill, usually expressed as a specific dollar amount paid for a given service, product or treatment. For example, the patient might pay $20 for each doctor's office visit. The patient is usually responsible for payment at the time of the treatment or service. Office Visit Pharmacy
$1,000 / $2,500 / $5,000 $15 First 3 at $15 $15 generics or
50% brand
Benefits | Rates Beneficial Value (PPO)
The Beneficial Value plan is suited to individuals shopping for a lower premium cost.
Deductible Choices Co-PayThe insured patient's share of the total medical bill, usually expressed as a specific dollar amount paid for a given service, product or treatment. For example, the patient might pay $20 for each doctor's office visit. The patient is usually responsible for payment at the time of the treatment or service. Office Visit Pharmacy
$1,000 / $2,500 / $5,000 / $7,500 $25 First 3 at $25 Optional
Benefits | Rates Health Savings Account (HSA) Choice
HSA plans offer lower insurance premiums through a high deductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment. health plan coupled with a bank account in which you accumulate tax-advantaged savings through your contributions to pay for qualified medical expenses until your deductible is met. More about HSAs
Deductible Co-PayThe insured patient's share of the total medical bill, usually expressed as a specific dollar amount paid for a given service, product or treatment. For example, the patient might pay $20 for each doctor's office visit. The patient is usually responsible for payment at the time of the treatment or service. Office Visit Pharmacy
$1,500 (individual)
$3,000 (family)		 20% 20% 30%
Benefits | Rates Health Savings Account (HSA) Value
HSA plans offer lower insurance premiums through a high deductibleThe portion of an individual's applicable healthcare expenses that must be paid by the member in a given year before the insurance plan will start paying for treatment. health plan coupled with a bank account in which you accumulate tax-advantaged savings through your contributions to pay for qualified medical expenses until your deductible is met. More about HSAs
Deductible Co-PayThe insured patient's share of the total medical bill, usually expressed as a specific dollar amount paid for a given service, product or treatment. For example, the patient might pay $20 for each doctor's office visit. The patient is usually responsible for payment at the time of the treatment or service. Office Visit Pharmacy
$2,800 (individual)
$5,600 (family)		 50% 50% 50%

Value-Added Services

The following services are provided to ODS plans at no additional cost.

myODS

With myODS, our customized member website, you can:

  • View your member handbook online
  • View claims status and history, including deductibles
    and out-of-pocket balances
  • Print an Explanation of Benefits (EOB)
  • Change your address
  • E-mail customer service

Preview myODS

The following services are provided to ODS medical plans at no additional cost.

eDoc America

eDocAmerica provides unlimited communication with board certified physicians via secure e-mail. This service gives you access to physicians who can answer questions about and assist you with healthcare choices.

Registered Nurse Advice Line

The Registered Nurse Advice Line provides 24/7 access to a registered nurse (RN) who can answer your healthcare questions regarding symptoms, medications, medical tests, procedures and staying healthy.

PersonalHealth Rx

PersonalHealth Rx gives members online access to detailed claims history, benefit information and tax reports.

Pharmacy Discount Card*

Save on brand name and generic prescription drugs. View Details
*Not available with Plus Plan.