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| KeyCare HealthSmart SM |
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Realize great saving on your healthcare by choosing the Anthem Keycare Health Smart HSA Plan. This plan offers preventive care visits before meeting the deductible and is the future of affordable insurance. By choosing a HSA compatible level you may also profit from the Tax advantages of the Health Savings Account component of these plan that let you put away in excess of $3000 for an individual and $6000 for a family. By realizing these tax savings as well as your saving on premiums you can find yourself sitting pretty with a great health insurance plan and money in your hands.
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In-Network
PPO Network of Providers. No gatekeepers or referrals |
| Deductible |
Coinsurance |
Expense Limit |
$2,250
$3,500
$5,000
$7,500*
$10,000*
Deductible per policy |
20%
20%
0%
0%
0% |
$4,000
$5,000
$5,000
$7,500
$10,000 |
Out-of-Network
Use any provider. You will be responsible for more of the cost with an out-of-network provider. No gatekeepers or referrals. |
| Deductible |
Coinsurance |
Expense Limit |
$2,250
$3,500
$5,000
$7,500*
$10,000*
Deductible per policy |
30% |
$6,000
$7,500
$7,500
$11,500
$15,000 |
| *Single policies with $7,500 or $10,000 deductibles are not compatible with Health Savings Accounts (HSAs). After the Deductible, you pay a Coinsurance amount, up to an annual Out-of-Pocket Expense Limit. This Expense Limit helps control your annual out-of-pocket expenses for covered services, including deductible, copayments, and coinsurance. |
The Details – the benefits and your share of the cost
Lifetime Maximum: $5 Million regardless of providers or facilities |
Hospital Inpatient & Outpatient Care
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| In-Network |
After deductible, your share: 20% or 0% |
| Out-of-Network |
After separate deductible, your share: 30% |
Emergency Care
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| In-Network |
20% or 0% coinsurance, in or out-of-network when deemed an emergency 1 |
| Out-of-Network |
20% or 0% coinsurance, in or out-of-network when deemed an emergency 1 |
Doctor Visits
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| In-Network |
After deductible, your share: 20% or 0% |
| Out-of-Network |
After separate deductible, your share: 30% |
Routine Wellness Care
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| In-Network Doctor Visits for Routine Wellness Care Routine Screenings |
Before deductible $20 for PCP; $30 for specialist. Unlimited visits per person. Before deductible, 20% for routine screenings, routine lab, x-rays and immunizations. |
| Out-of-Network |
After separate deductible, you pay 30% for doctor visit, screenings, routine lab, x-rays and immunizations. |
Preventive Care and Immunizations for Children
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| In-Network |
Before deductible, your share: 0% |
| Out-of-Network |
Before deductible, your share: 0%. You are responsible for amounts above the allowable charge. |
Prescription Drugs
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| In-Network |
After deductible, your share: 40% or 0% |
| Out-of-Network |
After separate deductible, your share: 40% or 0%. You are responsible for amounts above the allowable charge. |
| Yearly benefit maximum – $5,000 per person Drug Filing Card. For maximum benefits, use network pharmacies. |
Optional Coverage
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| Benefits Available at an Additional Cost |
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Dental Care - Optional available for preventive, restorative and complex services |
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