Catastrophic Engage

Available only in Benewah, Bonner, Boundary, Kootenai and Shoshone Counties, our Engage plans feature our lowest monthly premiums. Each Engage plan offers two tiers of in-network providers to provide a good balance of choice and cost savings. Have questions? Just give us a call at 855-447-2900.

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Catastrophic Engage

Tier 1 Network Tier 2 Network Out of Network
Deductible
(What’s This?)
Individual: $7,350
Family: $14,700
Individual: $7,350
Family: $14,700
Individual: $37,500
Family: $75,000
Annual Out-of-Pocket Maximum
(What’s this?)
Individual: $7,350
Family: $14,700
Individual: $7,350
Family: $14,700
Individual: $37,500
Family: $75,000
Coinsurance
(What’s this?)
You pay 0% You pay 0% You pay 0%
Primary Care Provider and Non-specialist Office Visits
(Find a Provider)
3 visits at not charge, then no charge after deductible No charge after deductible No charge after deductible
Specialist Office Visits No charge after deductible No charge after deductible No charge after deductible
Emergency Room Visits No charge after deductible No charge after deductible No charge after deductible
Prescription Drugs
(View Drug List)
Tier 0: You pay $0
Tier 1 Generic: No charge after deductible
Tier 2 Preferred Brand: No charge after deductible
Tier 3 Non-preferred: No charge after deductible
Tier 4 Specialty: No charge after deductible
Tier 0: You pay $0
Tier 1 Generic: No charge after deductible
Tier 2 Preferred Brand: No charge after deductible
Tier 3 Non-preferred: No charge after deductible
Tier 4 Specialty: No charge after deductible
Tier 0: You pay $0
Tier 1 Generic: You pay 0% after deductible
Tier 2 Preferred Brand: You pay 0% after deductible
Tier 3 Non-preferred: You pay 0% after deductible
Tier 4 Specialty: You pay 0% after deductible
Preventive Care Services, Immunizations You pay nothing for preventive services in-network–deductible does not apply No charge after deductible No charge after deductible
Chiropractic Care
(Covered up to 20 visits per year)
No charge after deductible No charge after deductible No charge after deductible
Diagnostic X-Ray & Lab Services No charge after deductible No charge after deductible No charge after deductible
Inpatient Hospital Services No charge after deductible No charge after deductible No charge after deductible
Maternity No charge after deductible No charge after deductible No charge after deductible
Physician, Surgical & Medical Services No charge after deductible No charge after deductible No charge after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
No charge after deductible No charge after deductible No charge after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
No charge after deductible No charge after deductible No charge after deductible

Catastrophic

Engage

Deductible
(What’s This?)
Tier 1 Network Individual: $7,350
Family: $14,700
Tier 2 Network Individual: $7,350
Family: $14,700
Out of Network Individual: $37,500
Family: $75,000
Annual Out-of-Pocket Maximum
(What’s this?)
Tier 1 Network Individual: $7,350
Family: $14,700
Tier 2 Network Individual: $7,350
Family: $14,700
Out of Network Individual: $37,500
Family: $75,000
Co-insurance
(What’s this?)
Tier 1 Network You pay 0%
Tier 2 Network You pay 0%
Out of Network You pay 0%
Primary Care Provider and Non-specialist Office Visits
(Find a Provider)
Tier 1 Network 3 visits at no charge, then no charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Specialist Office Visits
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Emergency Room Visits
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Prescription Drugs
(View Drug List)
Tier 1 Network Tier 0: You pay $0
Tier 1 Generic: No charge after deductible
Tier 2 Preferred Brand: No charge after deductible
Tier 3 Non-preferred: No charge after deductible
Tier 4 Specialty: No charge after deductible
Tier 2 Network Tier 0: You pay $0
Tier 1 Generic: No charge after deductible
Tier 2 Preferred Brand: No charge after deductible
Tier 3 Non-preferred: No charge after deductible
Tier 4 Specialty: No charge after deductible
Out of Network Tier 0: You pay $0
Tier 1 Generic: You pay 0% after deductible
Tier 2 Preferred Brand: You pay 0% after deductible
Tier 3 Non-preferred: You pay 0% after deductible
Tier 4 Specialty: You pay 0% after deductible
Preventive Care Services, Immunizations
Tier 1 Network You pay nothing for preventive services in-network–deductible does not apply
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Chiropractic Care
(Covered up to 20 visits per year)
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Diagnostic X-Ray & Lab Services
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Inpatient Hospital Services
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Maternity
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Physician, Surgical & Medical Services
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
Tier 1 Network No charge after deductible
Tier 2 Network No charge after deductible
Out of Network No charge after deductible

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