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HNE Choice Plus
Plan Summary
Plan Type HMO
Metal Level Platinum
Office Visit for Primary Doctor
Find Doctors 		$20 Copay
Office Visit for Specialist $40 Copay
Office Visit for Other Practitioner (Nurse, Physician Assistant) $20 Copay
Annual Deductible None
Separate Prescription Drugs Deductible per person not applicable | per group not applicable
Coinsurance 0%
Retail Prescription Drugs Generic Drugs: $20 Copay;
Preferred Brand Drugs: $50 Copay;
Non-Preferred Brand Drugs: $75 Copay;
Specialty Drugs: $100 Copay;
Annual Out-of-Pocket Limit Individual: $2,000
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Emergency Care Only 
Out-of-Country Coverage Yes. Urgent or Emergency 
Office Visit
Primary Care Physician Required Yes
Specialist Referrals Required No
Preventive Care Coverage
Periodic Health Exam No Charge
Periodic OB-GYN Exam No Charge
Well Baby Care No Charge
Emergency and Urgent Care
Emergency Room $150 Copay
Emergency Ambulance Services $50 Copay
Urgent Care Facility $40 Copay
Prescription Drug Coverage
Retail Prescription Drugs Generic Drugs: $20 Copay;
Preferred Brand Drugs: $50 Copay;
Non-Preferred Brand Drugs: $75 Copay;
Specialty Drugs: $100 Copay;
Separate Prescription Drugs Deductible per person not applicable | per group not applicable
Mail Order Prescription Drugs N/A
Mail Order Supply N/A
Outpatient Coverage
Outpatient Surgery Outpatient Surgery Physician/Surgical Services:
No Charge
Outpatient Facility Fee:
$250 Copay
Outpatient Lab/X-Ray Outpatient Lab:
No Charge
X-rays:
No Charge
Imaging (CT and PET scans, MRIs) $150 Copay
Outpatient Mental Health $20 Copay
Outpatient Substance Abuse $20 Copay
Outpatient Rehabilitation Services (PT, OT, ST) $40 Copay
Inpatient Coverage
Hospitalization Inpatient Hospital Services:
$500 Copay per Stay
Inpatient Physician and Surgical Services:
No Charge
Skilled Nursing Facility $500 Copay per Stay, limited to 100 Days per Year
Inpatient Mental Health $500 Copay per Stay
Inpatient Substance Abuse $500 Copay per Stay
Home Healthcare No Charge
Maternity Coverage
Pre & Postnatal Office Visit No Charge
Labor & Delivery Hospital Stay $500 Copay per Stay
Pediatric Services
Dental Checkup for Children No Charge, limited to 2 Exam(s) per Year
Vision Screening for Children No Charge, limited to 1 Exam(s) per Year
Eye Glasses for Children No Charge, limited to 1 Item(s) per Year
Major Dental Coverage (Pediatric) 50% Coinsurance after deductible
Additional Coverage
Chiropractic Coverage $20 Copay
Durable Medical Equipment 20% Coinsurance
Hospice No Charge
Major Dental Coverage (Adult) Not Covered
Vision Coverage (Adult) No Charge, limited to 1 Visit(s) per Year
Out-of-Network Coverage
Out-of-Network Authorization Required N/A
Out-of-Network Annual Deductible N/A
Out-of-Network Annual Coinsurance N/A
Out-of-Network Annual Out-of-Pocket Limit N/A
Additional Information
A.M. Best Rating N/A as of 11/12/2024
Electronic Signature for Application Available Yes
Details and documents about this plan
View Plan Brochure Exclusions and Limitations

Important notices and disclaimers

  • The information shown here is a summary of benefits for informational purposes only. Review the official plan documents (such as evidence of coverage, plan brochure, or insurance policy) for a detailed description of coverage benefits, limitations, and exclusions. Only the terms and conditions of coverage benefits listed in the policy are binding.
  • The benefits listed may be contingent on your use of physicians, hospitals, and services within the specific insurance company's provider network.
  • The Copayment, Deductible, and Coinsurance amounts are your share of the costs for covered benefits. These amounts are subject to change.
  • Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check below for information regarding the plans and carriers you selected.
  • The quotes or rates shown above are estimates only. Your premium is subject to change based on the optional benefits you selected, if any, and other relevant factors, such as changes in rates that take effect before your coverage start date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.
  • The Summary of Benefits & Coverage can be found at healthcare.gov. A paper copy of this Summary of Benefits & Coverage is available upon request by calling our toll free number. Click here to view the Uniform Glossary of Coverage and Medical Terms.