Available to the primary insured, critical illness coverage is automatically included with the M5, N2 and HSA5 plans at no additional charge.
First-dollar generic drug benefit
If an mPowerMed plan is selected with a prescription drug copay option, your client will have first-dollar benefits for all covered generic drugs.
Forced providers in-network
Certain providers such as radiologists, pathologists, anesthesiologists and assistant surgeons may have relationships with network facilities but are not included in the PPO network. Understanding that you are not always able to select these providers when admitted to an in-network hospital, your mPowerMed plan will consider charges for these "forced providers" at the in-network benefit level if both the hospital and admitting physician participate in your selected PPO network. Covered charges will be based on the Usual and Reasonable Charge.
|Calendar year maximum||$2 million||$1.25 million||$2 million|
|Physician office visit copay||Optional $35 copay; unlimited number of visits||Optional $35 copay; 3 visits per person, per calendar year||No copay|
|Deductible range||$1,000 - $20,000||$1,000 - $20,000||$1,500 - $5,650 for individuals; $3,000 - $11,300 for families|
|Inpatient confinement copay||No||Yes, $500||No|
|Home health care||Max of 35 visits||Max of 21 visits||Max of 35 visits|
|Ambulance services||Same as any other illness||Same as any other illness||Same as any other illness|
For PPO plans, benefits/features listed are for in-network charges. Out-of-network benefits differ from in-network benefits. This is a brief description of some important features of the coverage. The product is not available in all states and benefits may vary based on state of residence. Please refer to the product brochure (IHCHS 2000 0608) for additional information. For a full explanation of benefits, exclusions and limitations refer to the Certificate of Coverage (MNL GC 107). The mPowerMed plan is underwritten by Madison National Life Insurance Company, Inc.