Silver Option 2 – 87 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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Silver Option 2-87 Engage

In Network Out of Network
Deductible
(What’s This?)
Individual: $400
Family: $800
Individual: $15,000
Family: $30,000
Annual Out-of-Pocket Maximum
(What’s this?)
Individual: $2,250
Family: $4,500
Individual: $40,000
Family: $80,000
Co-insurance
(What’s this?)
You pay 30% You pay 50%
Primary Care Provider and Non-specialist Office Visits
(Find a Provider)
You pay $35 copay per visit  You pay 50% coinsurance after deductible
Specialist Office Visit
You pay $50 copay per visit You pay 50% coinsurance after deductible
Emergency Room Visits You pay 30% after deductible  You pay 30% after deductible
Prescription Drugs
(View Drug List)
Tier 0: You pay $0
Tier 1 Generic: You pay $5 per drug
Tier 2 Preferred Brand: You pay 25% coinsurance per drug
Tier 3 Non-preferred: You pay 40% coinsurance per drug
Tier 4 Specialty: You pay 40% coinsurance per drug
Tier 0: You pay $0
Tier 1 Generic: You pay 50% coinsurance after deductible
Tier 2 Preferred Brand: You pay 50% coinsurance after deductible
Tier 3 Non-preferred: You pay 50% coinsurance after deductible
Tier 4 Specialty: You pay 50% coinsurance after deductible
Preventive Care Services, Immunizations You pay nothing for preventive services in-network–deductible does not apply You pay 50% coinsurance after deductible
Chiropractic Care
(Covered up to 20 visits per year)
You pay 30% after deductible You pay 50% coinsurance after deductible
Diagnostic X-Ray & Lab Services You pay 30% after deductible You pay 50% coinsurance after deductible
Inpatient Hospital Services You pay 30% after deductible You pay 50% coinsurance after deductible
Maternity You pay 30% after deductible You pay 50% coinsurance after deductible
Physician, Surgical & Medical Services You pay 30% after deductible You pay 50% coinsurance after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 30% after deductible You pay 50% coinsurance after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 30% after deductible You pay 50% coinsurance after deductible

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Silver Option 2-87 Engage

Tier 1 Network Tier 2 Network Out of Network
Deductible
(What’s This?)
Individual: $400
Family: $800
Individual: $750
Family: $1,500
Individual: $15,000
Family: $30,000
Annual Out-of-Pocket Maximum
(What’s this?)
Individual: $2,250
Family: $4,500
Individual: $2,250
Family: $4,500
Individual: $40,000
Family: $80,000
Coinsurance
(What’s this?)
You pay 30% You pay 30% You pay 50%
Primary Care Provider and Non-specialist Office Visits
(Find a Provider)
You pay $25 copay per visit You pay $25 copay per visit after deductible You pay 50% coinsurance after deductible
Specialist Office Visits You pay $25 copay per visit You pay $25 copay per visit after deductible You pay 50% coinsurance after deductible
Emergency Room Visits You pay $150 copay per visit You pay $150 copay per visit You pay $150 copay per visit
Prescription Drugs
(View Drug List)
Tier 0: You pay $0
Tier 1 Generic: You pay $5 per drug
Tier 2 Preferred Brand: You pay 20% per drug
Tier 3 Non-preferred: You pay 25% per drug
Tier 4 Specialty: You pay 25% per drug
Tier 0: You pay $0
Tier 1 Generic: You pay $5 per drug
Tier 2 Preferred Brand: You pay 20% per drug
Tier 3 Non-preferred: You pay 25% per drug
Tier 4 Specialty: You pay 25% per drug
Tier 0: You pay $0
Tier 1 Generic: You pay 50% coinsurance after deductible
Tier 2 Preferred Brand: You pay 50% coinsurance after deductible
Tier 3 Non-preferred: You pay 50% coinsurance after deductible
Tier 4 Specialty: You pay 50% coinsurance after deductible
Preventive Care Services, Immunizations You pay nothing for preventive services in-network–deductible does not apply You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Chiropractic Care
(Covered up to 20 visits per year)
You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Diagnostic X-Ray & Lab Services You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Inpatient Hospital Services You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Maternity You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Physician, Surgical & Medical Services You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 30% coinsurance after deductible You pay 30% coinsurance after deductible You pay 50% coinsurance after deductible

Get Pricing Download a PDF comparison chart