Innovation Health Insurance Company

Innovation Health Silver 1: $0 MinuteClinic Visits, Telehealth, CVS Store Discounts

Plan Overview

Combined Medical and Drug Deductible
  • Individual: $4,000.00
  • Family: $8,000
  • Per Person: $4,000
Combined Medical and Drug Out of Pocket Maximum
  • Individual: $8,700.00
  • Family: $17,400
  • Per Person: $8,700

Office Visit

Primary Doctor
  • CoPay: $30.00
  • CoInsurance: Not Applicable
  • Covered: Covered
Specialist
  • CoPay: $75.00
  • CoInsurance: Not Applicable
  • Covered: Covered

Prescription Drug Information

Preferred Brand Drugs
  • CoPay: $50.00 Copay after deductible
  • CoInsurance: No Charge after deductible
  • Covered: Covered
  • Benefit Explanation: The cost sharing payment for a covered prescription insulin drug is limited to a $50 maximum per 30-day supply. Cost sharing could vary based on drug and pharmacy selected. Please see SBC for full plan details.
Non Preferred Brand Drugs
  • CoPay: Not Applicable
  • CoInsurance: 40.00% Coinsurance after deductible
  • Covered: Covered
  • Benefit Explanation: The cost sharing payment for a covered prescription insulin drug is limited to a $50 maximum per 30-day supply. Cost sharing could vary based on drug and pharmacy selected. Please see SBC for full plan details.
Generic Drugs
  • CoPay: $15.00
  • CoInsurance: Not Applicable
  • Covered: Covered
  • Benefit Explanation: The cost sharing payment for a covered prescription insulin drug is limited to a $50 maximum per 30-day supply. Cost sharing could vary based on drug and pharmacy selected. Please see SBC for full plan details.
Specialty Drugs
  • CoPay: Not Applicable
  • CoInsurance: 50.00% Coinsurance after deductible
  • Covered: Covered
  • Benefit Explanation: The cost sharing payment for a covered prescription insulin drug is limited to a $50 maximum per 30-day supply. Cost sharing could vary based on drug and pharmacy selected. Please see SBC for full plan details.

Inpatient Coverage

Hospital Services
  • CoPay: Not Applicable
  • CoInsurance: 40.00% Coinsurance after deductible
  • Covered: Covered
Inpatient Services
  • CoPay: Not Applicable
  • CoInsurance: 40.00% Coinsurance after deductible
  • Covered: Covered

Emergency and Urgent Care

Emergency Room
  • CoPay: Not Applicable
  • CoInsurance: 40.00% Coinsurance after deductible
  • Covered: Covered
  • Benefit Explanation: Benefits are available in a Hospital Emergency Room or an independent, free-standing emergency facility for services and supplies to treat the onset of symptoms for a medical emergency.
Urgent Care Facility
  • CoPay: $75.00
  • CoInsurance: Not Applicable
  • Covered: Covered
  • Exclusions: No coverage for non-urgent care.

Maternity

Labor and Delivery Hospital Stay
  • CoPay: Not Applicable
  • CoInsurance: 40.00% Coinsurance after deductible
  • Covered: Covered
Pre and Postnatal Office Visit
  • CoPay: Not Applicable
  • CoInsurance: 40.00% Coinsurance after deductible
  • Covered: Covered
  • Benefit Explanation: Member cost sharing applies to postnatal care

Vision

Routine Eye Exams For Children
  • CoPay: Not Applicable
  • CoInsurance: 50.00% Coinsurance after deductible
  • Covered: Covered
  • Limit Quantity: 1
  • Limit Unit : Exam(s) per Year
  • Exclusions: Coverage is limited to 1 exam every 12 months. Age 0 - 19.

Major Dental Care

Routine Dental Checkups for Children
  • Covered: Not Covered
Routine Dental Checkups for Adults
  • Covered: Not Covered
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