Quality medical care is important for maintaining overall health and wellness. Silverado offers you a choice of medical plans that offer preventive care, as well as coverage when you are ill or injured.

For detailed plan summaries, click here.

Key Coverage Features and Costs – 2018/2019

Plan Features Gold Plan Consumer Choice Plan Bronze Plan (with HSA) Kaiser HMO (CA only)
Preventative Care Covered at 100% Covered at 100% Covered at 100% Covered at 100%
Silverado Contribution to your HSA Not available $50 per month Not available Not available
Lifetime Maximum None None None None
Calendar-year maximum None None None None
Individual Deductible** $1,000 $2,500 $5,000 $500
Family Deductible** $3,000 $5,000 $10,000 $1,000
Annual out-of-pocket Maximum for Individuals $5,000 $5,900 $6,650 $3,000
Annual out-of-pocket Maximum for Families $12,700 $11,900 $13,300 $6,000
Office Visit $30 co-pay 20% coinsurance after deductible 30% coinsurance after deductible $20 co-pay
Specialist Office Visit $50 co-pay 20% coinsurance after deductible 30% coinsurance after deductible $40 co-pay
Hospitalization 20% coinsurance after deductible 20% coinsurance after deductible 30% coinsurance after deductible 10% coinsurance after deductible
Outpatient Surgery 20% coinsurance after deductible 20% coinsurance after deductible 30% coinsurance after deductible 10% coinsurance after deductible
Emergency Room $200 co-pay 20% coinsurance after deductible 30% coinsurance after deductible 10% coinsurance after deductible
Prescription Drugs Tier 1
30-day supply
$10 minimum – $20 maximum co-pay $10 minimum – $20 maximum co-pay after deductible 30% coinsurance after deductible $10 co-pay
Prescription Drugs Tier 2
30-day supply
35%, $45 minimum – $90 maximum co-pay 35%, $45 minimum – $90 maximum co-pay after deductible 30% coinsurance after deductible $30 co-pay
Prescription Drugs Tier 3
30-day supply
35%, $75 minimum – $150 maximum co-pay 35%, $75 minimum – $150 maximum co-pay after deductible 30% coinsurance after deductible Not covered
Mail Order (90-day supply) $25/$75/$125 $25/$75/$125 after deductible 30% coinsurance after deductible $20/$60

**Deductibles are calendar year (January 1st – December 31st)

 

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