Silver 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.

Get PricingDownload a 2017 PDF comparison chartDownload a 2018 PDF comparison chart

Silver Engage

Tier 1 Network Tier 2 Network Out of Network
Deductible
(What’s This?)
Individual: $2,750
Family: $5,500
Individual: $3,250
Family: $6,500
Individual: $25,000
Family: $50,000
Annual Out-of-Pocket Maximum
(What’s this?)
Individual: $6,800
Family: $13,600
Individual: $6,800
Family: $13,600
Individual: $50,000
Family: $100,000
Coinsurance
(What’s this?)
You pay 40% You pay 40% You pay 60%
Primary Care Provider and Non-specialist Office Visits
(Find a Provider)
You pay $35 copay per visit You pay $50 copay per visit after deductible You pay 60% coinsurance after deductible
Specialist Office Visits You pay $50 copay per visit You pay $50 copay per visit after deductible 60% co-insurance after deductible
Emergency Room Visits You pay $400 copay per visit You pay $400 copay per visit You pay $400 copay per visit
Prescription Drugs
(View Drug List)
Tier 0: You pay $0
Tier 1 Generic: You pay $10 per drug
Tier 2 Preferred Brand: You pay 30% coinsurance after deductible
Tier 3 Non-preferred: You pay 50% coinsurance after deductible
Tier 4 Specialty: You pay 50% coinsurance after deductible
Tier 0: You pay $0
Tier 1 Generic: You pay $10 per drug
Tier 2 Preferred Brand: You pay 30% coinsurance after deductible
Tier 3 Non-preferred: You pay 50% coinsurance after deductible
Tier 4 Specialty: You pay 50% coinsurance after deductible
Tier 0: You pay $0
Tier 1 Generic: You pay 60% coinsurance after deductible
Tier 2 Preferred Brand: You pay 60% coinsurance after deductible
Tier 3 Non-preferred: You pay 60% coinsurance after deductible
Tier 4 Specialty: You pay 60% coinsurance after deductible
Preventive Care Services, Immunizations You pay nothing for preventive services in-network–deductible does not apply You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
Chiropractic Care
(Covered up to 20 visits per year)
You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
Diagnostic X-Ray & Lab Services You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
Inpatient Hospital Services You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
Physician, Surgical & Medical Services You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
You pay 40% coinsurance after deductible You pay 40% coinsurance after deductible You pay 60% coinsurance after deductible

Get Pricing Download a PDF comparison chart

Silver Engage

Tier 1 Network Tier 2 Network Out of Network
Deductible
(What’s This?)
Individual: $2,750
Family: $5,500
Individual: $3,250
Family: $6,500
Individual: $9,750
Family: $19,500
Annual Out-of-Pocket Maximum
(What’s this?)
Individual: $6,800
Family: $13,600
Individual: $6,800 Family: $13,600 Individual: $20,400 Family: $40,800
Coinsurance
(What’s this?)
You pay 40% You pay 40% You pay 60%
Primary Care Provider and Non-specialist Office Visit
(Find a Provider)
$35 copay per visit $35 copay after deductible 60% co-insurance after deductible
Specialist Office Visits $65 copay per visit $65 copay after deductible 60% co-insurance after deductible
Emergency Room Visits $200 copay per visit $200 copay per visit $200 copay per visit
Prescription Drugs
(View Drug List)
Tier 0: You pay $0
Tier 1 Generic: You pay 25% per drug
Tier 2 Preferred Brand: You pay 30% per drug
Tier 3 Non-preferred: You pay 50% per drug
Tier 4 Specialty: You pay 50% per drug
Tier 5 Non-preferred Specialty: You pay 50% per drug
Tier 0: You pay $0
Tier 1 Generic: You pay 25% per drug
Tier 2 Preferred Brand: You pay 30% per drug
Tier 3 Non-preferred: You pay 50% per drug
Tier 4 Specialty: You pay 50% per drug
Tier 5 Non-preferred Specialty: You pay 50% per drug
Tier 0: You pay $0
Tier 1 Generic: You pay 25% per drug
Tier 2 Preferred Brand: You pay 30% per drug
Tier 3 Non-preferred: You pay 50% per drug
Tier 4 Specialty: You pay 50% per drug
Tier 5 Non-preferred Specialty: You pay 50% per drug
Preventive Care Services, Immunizations You pay nothing for preventive services in-network–deductible does not apply 40% co-insurance after deductible 60% co-insurance after deductible
Chiropractic Care
(Covered up to 20 visits per year)
$65 copay per visit $65 copay after deductible 60% co-insurance after deductible
Diagnostic X-Ray & Lab Services 40% co-insurance after deductible 40% co-insurance after deductible 60% co-insurance after deductible
Inpatient Hospital Services 40% co-insurance after deductible 40% co-insurance after deductible 60% co-insurance after deductible
Maternity 40% co-insurance after deductible 40% co-insurance after deductible 60% co-insurance after deductible
Physician, Surgical & Medical Services 40% co-insurance after deductible 40% co-insurance after deductible 60% co-insurance after deductible
Outpatient Rehabilitation Services; Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
40% co-insurance after deductible 40% co-insurance after deductible 60% co-insurance after deductible
Habilitative Services, Physical, Occupational, Speech
(Covered up to 20 visits per year, all types combined)
40% co-insurance after deductible 40% co-insurance after deductible 60% co-insurance after deductible

Get PricingDownload a comparison chart