Calendar Year Deductible Options:                                           Individual $300, $500, $1,000, $2,500 or $5,000                                          Family Limit - 3 Individuals per family                                                    Same  for covered charges IN or OUT of NETWORK.

Coinsurance Options:                                                                   PPO/Non PPO 90/70, 90/60, 80/60, 80/50, or 70/50                                                  After out of pocket requirements are met, 100% up plan limits.

Stop Loss (Coinsurance Expense Maximum) Options:           Individual                $5,000, $10,000, or $15,000                                              Family Limit - 3 Individuals per calendar year.

PPO Practitioner's Office Visit Copay Options:                                $15, $20, $25, $40, & $50 (not all copays available with all deductibles and coinsurance options).  Non-PPO Office Visits subject to deductible and co-insurance.

Supplemental Accident Option:                                                  Available on the $300 and $500 deductible plans only.  Benefit is equal to the deductible amount. 

Maternity covered as any other illness for employees and covered spouses.

Utilization Review is required.

12 month rate guarantee.

Optional 24 hour coverage for sole proprietors, owner, partners and corporate officers when not legally eligible to participate in worker's compensation.