Benefit Comparison

Choice	Product Features	Are there co-payments?	Are There deductibles?	Can I use this with a healthcare spending account?	Product Advantages
AvMed Choice	Services from providers in and out of the plan network are covered (in-network services are less expensive)	Some plans have co-payments, others require members to pay a percentage of their costs, and some have both	Plans have deductibles that apply toward select services that are in-network	Yes, a Health Reimbursement Arrangement (HRA) can be paired with any Choice plan that has a deductible	Plans allow members to go to any provider with no limitation to using AvMed network providers
HMO	Product Features	Are there co-payments?	Are There deductibles?	Can I use this with a healthcare spending account?	Product Advantages
AvMed Open Access HMO	No Primary Care Physician (PCP) designation required Self-refer to specialist physicians Must use AvMed's network of providers	Includes co-payments that vary according to plan and service	Some plans include deductibles and coinsurance for select services	Yes, a Health Reimbursement Arrangement (HRA) can be paired with any HMO plan that has a deductible	Network of quality physicians and hospitals for members to choose from to receive covered services
AvMed Classic HMO	"Gatekeeper" plan that requires members to designate a Primary Care Physician (PCP) Referrals to network specialists must be given to the member by their PCP	Includes co-payments that vary according to plan and service	Some plans include deductibles and coinsurance for select services	Yes, a Health Reimbursement Arrangement (HRA) can be paired with any HMO plan that has a deductible	Members will have a Primary Care Physician (PCP) that will act as a care coordinator Network of quality physicians and hospitals for members to choose from to receive covered services
POS	Product Features	Are there co-payments?	Are There deductibles?	Can I use this with a healthcare spending account?	Product Advantages
AvMed Open Access POS	Services from providers in and out of the plan network are covered (in-network services being less costly) No referral plan where members self-refer to specialist physicians	These plans have co-payments for in-network benefits, and co-insurance for out-of-network benefits	Plans have deductibles that apply toward the in-network benefits	Spending accounts are not offered with AvMed's POS plans	POS plans allow members to go to any provider with no limitation to in-network
AvMed Classic POS	"Gatekeeper" plan that requires members to designate a Primary Care Physician (PCP) Referrals to network specialists must be given to the member by their PCP Out-of-network services available	These plans have co-payments for in-network benefits, and co-insurance for out-of-network benefits	Plans have deductibles that apply toward the in-network benefits	Spending accounts are not offered with AvMed's POS plans	Members will have a Primary Care Physician (PCP) that will act as a care coordinator Network of quality physicians and hospitals for members to choose from to receive covered services
Consumer Solutions	Product Features	Are there co-payments?	Are There deductibles?	Can I use this with a healthcare spending account?	Product Advantages
AvMed Consumer HSA	HDHP with one deductible that combines healthcare and prescription drug expenses Designed to be paired with a Health Savings Account (HSA) healthcare fund	Members pay all expenses until they reach the deductible Preventive services are covered at 100% before deductible is met	HDHP plans have a minimum deductible of $1,100 for single coverage and $2,200 for family coverage (set by the IRS) Deductible includes medical and pharmacy expenses	Health Savings Account (HSA) can be opened to fund eligible healthcare expenses	Lower premiums Preventive services covered at 100% Product can be paired with a healthcare spending account
AvMed Consumer HRA	Consumer-directed health plan with any deductible Designed to be paired with a Health Reimbursement Arrangement (HRA) healthcare fund AvMed allows you to pair any plan with a deductible with an HRA	Members pay all expenses until they reach the deductible Preventive services are covered at 100% before deductible is met (may not apply)	Plans have deductibles that apply toward select services (that are in-network for Choice plan design)	Members do have access to a Health Reimbursement Arrangement (HRA) for eligible healthcare expenses	Lower premiums (may not apply) Preventive services covered at 100% (may not apply) Product can be paired with a healthcare spending account
AvMed Consumer FSA	Consumer-directed health plan with any deductible Designed to be paired with a Health Reimbursement Arrangement (HRA) healthcare fund AvMed allows you to pair any plan with a deductible with an HRA	Members pay all expenses until they reach the deductible Preventive services are covered at 100% before deductible is met (may not apply)	Plans have deductibles that apply toward select services (that are in-network for Choice plan design)	Members do have access to a Flexible Spending Account (FSA) for eligible healthcare expenses	Lower premiums (may not apply) Preventive services covered at 100% (may not apply) Product can be paired with a healthcare spending account