2012 Insurance Rates for Chamber Announced
Vermont Freedom Plans (PPO)
$1,500/$3,000 deductible PPO – $30/$50 PCP/SPC office visit – 80% coinsurance $6,000/$12,000 out-of-pocket limit – 100% Preventive Coverage
Single…………$550
2-Person …..$1,073
Family ……….$1,433
Carve-out….$$496
$2,500/$5,000 deductible PPO – $30/$50 PCP/SPC office visit – 80% coinsurance $6,000/$12,000 out-of-pocket limit – 100% Preventive Coverage
Single……….…$404
2-Person….…$793
Family…………$1,124
Carve-out…..$322
$3,000/$6,000 deductible PPO – $30/$50 PCP/SPC office visit – 100% coinsurance $3,000/$6,000 out-of-pocket limit – 100% Preventive Coverage
Single…………$410
2-person.…..$800
Family………..$1,135
Carve-out…..$325
$4,000/$8,000 deductible PPO – $30/$50 PCP/SPC office visit -80% coinsurance $8,000/$16,000 out-of-pocket limit – 100% Preventive Coverage
Single………….$348
2-person…….$681
Family…………$967
Carve-out…..$279
Prescription Coverage for all PPO plans: $3 generic, 50% brand, to an out-of-pocket maximum of $2,500/$5,000 Included in price above.
Comprehensive Consumer Directed Health Plan
(HSA Compatible)
$2,000/$4,000 deductible CDHP (aggregate*) – 50% coinsurance – $5,950/$11,900 out-of-pocket limit – 100% Preventive Coverage ; Wellness Prescriptions no cost for generic, 50% for brand name drugs before deductible – all other Prescription Coverage 50% after deductible
Single……………$299
2-Person………$587
Family…………..$827
Carve-out…….$241
$2,450/$4,900 deductible CDHP (stacked^) – 90% coinsurance – $5,950/$11,900 out-of-pocket limit – 100% Preventive Coverage – Wellness Prescriptions no cost for generic, 50% for brand name drugs before deductible – all other Prescription Coverage 50% after deductible
Single………….$389
2-Person…….$760
Family…………$1,079
Carve-out…..$308
$5,950/$11,900 deductible CDHP (stacked^) – 100% coverage after deductible – 100% Preventive Coverage – Wellness; Prescriptions no cost for generic or brand name drugs before deductible
Single…………$285
2-Person……$556
Family………..$785
Carve-out….$230
* Aggregate Deductible: Full individual or entire family deductible must be satisfied before benefits are paid.
^ Stacked Deductible: Plans pay benefits for an individual after they’ve met the individual deductible.
