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

In Network Out of Network
Deductible
(What’s This?)
Individual: $7,900
Family: $15,800
Individual: $37,500
Family: $75,000
Annual Out-of-Pocket Maximum
(What’s this?)
Individual: $7,900
Family: $15,800
Individual: $37,500
Family: $75,000
Co-insurance
(What’s this?)
You pay 0% You pay 0% after deductible
Primary Care Provider and Non-specialist Office Visits
(Find a Provider)
First 3 visits at no charge; then no charge after deductible  You pay 0% after deductible
Specialist Office Visit
You pay 0% coinsurance after deductible You pay 0% after deductible
Emergency Room Visits You pay 0% coinsurance after deductible You pay 0% after deductible
Prescription Drugs
(View Drug List)
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
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 You pay 0% after deductible
Chiropractic Care
(Covered up to 20 visits per year)
You pay 0% after deductible You pay 0% after deductible
Diagnostic X-Ray & Lab Services You pay 0% after deductible You pay 0% after deductible
Inpatient Hospital Services You pay 0% after deductible You pay 0% after deductible
Maternity You pay 0% after deductible You pay 0% after deductible
Physician, Surgical & Medical Services You pay 0% after deductible You pay 0% after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 0% after deductible You pay 0% after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 0% after deductible You pay 0% after deductible

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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

Get Pricing Download a PDF comparison chart