All Savers Insurance Company

All Savers Insurance Company | Gold Navigate Plus 0

  • Gold Navigate Plus 0 is an Obamacare health insurance plan offered by All Savers Insurance Company that is available for individuals and families.

  • This plan is a POS, meaning you will require a primary care physician to manage your care like in an HMO, but you will have more flexibility than in an HMO to go out-of-network. (Learn more about POS plans.)

  • This plan is a Gold metal level plan, which generally has a higher monthly cost but lower deductible (and co-pay), and provides good insurance coverage for people and families who spend more on health care (doctor visits, Rx, tests) than the average person.

  • Deductible amount of No Charge. A deductible is the amount of healthcare costs you will pay on your own each year before the insurance company.

  • Max out-of-pocket of $6,850, which is the most you will pay in a plan year outside of premiums, out-of-network providers and non-essential health benefits.


Ways to Enroll or Learn More

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Plan Summary

Monthly Cost

Plan Name:
Gold Navigate Plus 0

Plan ID:
78726OH0020002

Plan Type:
POS

Deductible:
No Charge

Maximum Out-of-Pocket:
$6,850

Summary of Benefits:

Provider Information:

Who is this plan for?

This plan with a higher monthly cost is great for individuals and families who have multiple, serious, or chronic health needs, regularly visit the doctor, and regularly use multiple prescription drugs. The low deductible on this plan means you won't have to pay as much money out of pocket for medical care and prescriptions before your insurance kicks in. The very high out-of-pocket maximum on this plan means you could be faced with a very expensive medical bill if an emergency happens.

HealthCare.com is a privately-held internet start-up for healthcare consumers. We’re not the government website.

Highlights


Dental Coverage:
Child

Emergency Room:
$500 Copay then 30% Coinsurance after deductible

Retail Drugs:
$40

Generic Drugs:
$5

Overview


Plan Type:
POS

Metal Level:
Gold

Health Spending Account:
No

Primary Care Office Visit:
$30

Specialist Office Visit:
$60

Out of Network Coverage:
Yes

Out of Country Coverage:
Yes

Coverage Details

Preventive Care

Periodic Health Exam
In Network:
No Charge

Out of Network:
50% Coinsurance after deductible
Well Baby Care
In Network:
No Charge

Out of Network:
50% Coinsurance after deductible

Inpatient

Hospital Services
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Physician Fee
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Skilled Nursing Facility
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Mental Health
In Network:
30% Coinsurance after deductible

Out of Network:
50% Coinsurance after deductible
Substance Abuse
In Network:
30% Coinsurance after deductible

Out of Network:
50% Coinsurance after deductible
Home Healthcare
In Network:
30%

Out of Network:
50% Coinsurance after deductible

Outpatient

Surgery
In Network:
30%

Out of Network:
50% Coinsurance after deductible
X-ray and Diagnostics
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Labs
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Facility Fee
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Mental Health
In Network:
$30

Out of Network:
50% Coinsurance after deductible
Substance Abuse
In Network:
$30

Out of Network:
50% Coinsurance after deductible
Rehabilitation Services
In Network:
30%

Out of Network:
50% Coinsurance after deductible

Maternity/Pregnancy

Pre & Postnatal Care
In Network:
No Charge

Out of Network:
50% Coinsurance after deductible
Labor and Delivery Inpatient Services
In Network:
30% Coinsurance after deductible

Out of Network:
50% Coinsurance after deductible

Dental

Accidental Care
In Network:
30%

Out of Network:
30%
Basic Dental Care (Child)
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Dental Checkup (Child)
In Network:
30%

Out of Network:
No Charge after deductible
Major Dental Care (Child)
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Orthodontia (Child)
In Network:
30%

Out of Network:
50% Coinsurance after deductible

Vision

Eye Exam (Child)
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Glasses (Child)
In Network:
30%

Out of Network:
50% Coinsurance after deductible

Additional Coverage

Chiropractic Care
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Habilitation Services
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Rehabilitation Services (Speech)
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Rehabilitation Services (Occupational Therapy)
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Hospice Service
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Diabetes Care Management
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Durable Medical Equipment
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Nutritional Consuleling
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Reconstructive Surgery
In Network:
30%

Out of Network:
50% Coinsurance after deductible

Doctor Visits

Primary Care Visit
In Network:
$30

Out of Network:
50% Coinsurance after deductible
Specialist Visit
In Network:
$60

Out of Network:
50% Coinsurance after deductible
Other Practitioner Office Visit
In Network:
$30

Out of Network:
50% Coinsurance after deductible
Preventative Care / Screening / Immunization
In Network:
No Charge

Out of Network:
50% Coinsurance after deductible

Emergency Room and Urgent Care

Emergency Room Services
In Network:
$500 Copay then 30% Coinsurance after deductible

Out of Network:
$500 Copay then 30% Coinsurance after deductible
Urgent Care Services
In Network:
30%

Out of Network:
50% Coinsurance after deductible
Ambulance/Transportation Services
In Network:
30%

Out of Network:
30%

Drugs

Generic Prescription
In Network:
$5

Out of Network:
$5
Retail Brand Drugs
In Network:
$40

Out of Network:
$40
Non Retail Brand Drugs
In Network:
$120 then 20%

Out of Network:
$120 then 20%
Specialty Drugs
In Network:
$250 then 30%

Out of Network:
$250 then 30%
Drug Deductible
In Network:
Individual: No Charge Family: Not Applicable

Out of Network:
Individual: No Charge Family: Not Applicable

Additional Plan Information

Summary Of Benefits:

Provider Information:

HealthCare.com is a privately owned website, and monthly costs shown above are estimates only. Your monthly premium may change based on the data provided, outside fees, optional benefits or if other factors take effect before your coverage start date. Note that insurance companies reserve the right to change your premium rate and the policy terms at any time. Effective date, benefit amounts and other conditions may apply at the discretion of the insurance carrier you select. Depending on your state of residence, this website may not display all plans available by state. The Obamacare Tax Subsidy Calculator amounts are estimates only and the actual amount of subsidy eligibility may differ. Access to your physician depends on network selected, and networks can change without notice. Contact your health insurance company to confirm your healthcare provider is still available in the network you select.

All Savers Insurance Company, a UnitedHealthcare company, is the underwriter of these plans. This screen is intended only as general information. It presents only a brief overview of some of the standard benefits of the plan(s) shown. Before you apply, please use the link(s) provided to download and review the product information including the SBC for a more complete explanation. This health care coverage is not designed or marketed as employer-provided insurance. It does not comply with your states small-employer group health insurance laws. These plans cannot be used, now or in the future, by you or an employer to provide insurance for employees. Estimated costs of coverage shown is based on the information you provided, and is subject to change based on the plan you select, and other factors. We shall exclusively determine the premium actually required, and the effective date of any coverage issued. These plans only pay benefits for eligible expenses from a network provider. No benefits are payable for non-emergency care from a non-network provider. Emergency treatment from a non-network provider will be treated as a network expense. You must select a Primary Care Physician (PCP) within our network and your state of residence. Your PCP refers you to specialists when additional care is needed (no referral needed for a network obstetrician or gynecologist). Important note: If you use a specialist without a referral from your PCP, there are no benefits. If you do not select a valid PCP, you will be assigned one to manage your care.

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