AmeriHealth Caritas VIP Next, Inc. health insurance plan with the Plan ID 72760DE0010003. The plan is called AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals.
Based on the AV Calculator by CMS.gov, the plan has an actuarial value of 70.01% (we converted the output of AV Calculator to percentage to compare with data provided by Issuer, it shows the percentage of total average costs for covered benefits that a plan will cover). So, on average, you would be responsible for 29.99% of the costs of all covered benefits (according to the AV Calculator by CMS.gov). More information about AV Calculator methodology.
Health Insurance Plan ID | 72760DE0010003 | ||||||||||||||||||
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Health Insurance Plan Year | 2024 | ||||||||||||||||||
State | Delaware | ||||||||||||||||||
Health Insurance Issuer | AmeriHealth Caritas VIP Next, Inc. | ||||||||||||||||||
Plan Formulary Description URL | Formulary URL | ||||||||||||||||||
Plan Marketing Materials URL | Marketing URL | ||||||||||||||||||
Health Insurance Plan Variant | 72760DE0010003-03 | ||||||||||||||||||
Provider Network(s) | PREFERRED | ||||||||||||||||||
In Network Doctors
*The data available in our database based on Health Insurance Company Open Data (update: Tue, 20 Aug 2024 06:14 GMT). |
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Available Variants of the Health Plan | Standard Off Exchange Plan - 72760DE0010003-00 Standard On Exchange Plan - 72760DE0010003-01 Open to Indians below 300% FPL - 72760DE0010003-02 Open to Indians above 300% FPL - 72760DE0010003-03 73% AV Silver Plan - 72760DE0010003-04 |
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Last Plan Update Date | Wed, 16 Aug 2023 00:00 GMT | ||||||||||||||||||
Last Import Date | Tue, 20 Aug 2024 06:14 GMT |
Benefit | Covered | In Network | Out Of Network |
---|---|---|---|
Abortion for Which Public Funding is Prohibited
|
NO | ||
Accidental Dental
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Acupuncture
|
NO | ||
Allergy Testing
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Autism Spectrum Disorders
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Bariatric Surgery
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Basic Dental Care - Adult
|
NO | ||
Basic Dental Care - Child
|
NO | ||
Cancer Monitoring Test
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Chemotherapy
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Chiropractic Care
The following limits apply: three modalities per visit, one visit per day. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Clinical Trials
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Cosmetic Surgery
|
NO | ||
Delivery and All Inpatient Services for Maternity Care
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Dental Check-Up for Children
|
NO | ||
Dental Services for Children with Severe Disabilities
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Diabetes Care Management
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Diabetes Education
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Dialysis
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Durable Medical Equipment
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Emergency Room Services
|
YES | 40.00% Coinsurance after deductible |
40.00% Coinsurance after deductible |
Emergency Transportation/Ambulance
We cover ambulance services (including voluntary services) by ground, air, or water in the event of an emergency. Services must be provided by a licensed ambulance, including volunteer, service provider and must take you to the nearest hospital where emergency care can be provided. Air Ambulance is covered only when no other means of travel is appropriate. We also cover nonemergency ambulance transportation by a licensed ambulance service (either ground, air, or water ambulance) when the transport is: From an acute facility to a subacute facility/setting. From an out-of-network hospital/facility to an in-network hospital/facility. To a hospital that provides a higher level of care than was available at the original hospital/facility. To a more cost-effective acute care facility. |
YES | 40.00% Coinsurance after deductible |
40.00% Coinsurance after deductible |
Eye Glasses for Children
Limit: 1.0 Item(s) per Benefit Period |
YES | 40.00% Coinsurance after deductible |
100.00% |
Gender Affirming Care
|
NO | ||
Generic Drugs
|
YES | $20.00 |
100.00% |
Habilitation Services
Limit: 30.0 Visit(s) per Benefit Period Exclusions: Speech therapy is not covered for attention disorders, behavior problems, conceptual handicaps, learning disabilities, developmental delays. Combined limit of 30 visits per benefit period for Habilitative Physical Therapy and Occupational Therapy; 30 visits per benefit period for Habilitative Speech Therapy. Applied Behavior analysis for autism spectrum disorder is also covered,. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Hearing Aids
Limit: 1.0 Item(s) per 3 Years Benefits are limited to one wearable hearing aid per ear every three (3) year. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Home Health Care Services
Limit: 100.0 Visit(s) per Benefit Period Exclusions: Chronic condition care is not covered; drugs; lab tests; imaging services; inhalation therapy; chemotherapy and radiation therapy; dietary care; durable medical equipment; disposable supplies; care not prescribed in the approved treatment plan; volunteer care. We will cover certain services received in the home from a certified/licensed home health agency when ordered by a physician. Examples of these services include skilled care, physical/ occupational/speech and language/respiratory therapy, social work services, and home infusion. Services must only be provided on a part-time, intermittent basis and cannot be solely for assisting with activities of daily living. There's a limit of one visit per day per specialty. (A nurse and home health aide count as one specialty for this benefit.) |
YES | 40.00% Coinsurance after deductible |
100.00% |
Hospice Services
Exclusions: Private duty nursing; respite care; care not prescribed in the approved treatment plan; financial, legal, or estate planning, and; hospice care in an acute care facility, except when a patient in hospice care requires services in an inpatient setting for a limited time |
YES | 40.00% Coinsurance after deductible |
100.00% |
Imaging (CT/PET Scans, MRIs)
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Infertility Treatment
Limit: 6.0 Procedure(s) per Lifetime Exclusions: For IVF services, retrievals must be completed before the individual is 45 years old and transfers must be completed before the individual is 50 years old. The benefit is limited to six (6) completed egg retrievals per lifetime, with unlimited embryo transfers in accordance with the guidelines of the American Society for Reproductive Medicine, using single embryo transfer (SET) when recommended and medically appropriate. We will cover services for the diagnosis, treatment, and correction of any underlying causes of infertility when determined to be medically necessary by a network provider. This includes coverage of certain prescription drugs, in vitro fertilization (IVF), Gamete Intrafallopian Transfer (GIFT), Zygote Intrafallopian Transfer (ZIFT), and standard fertility preservation services for covered persons who must undergo medically necessary treatment that may cause iatrogenic infertility. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Infusion Therapy
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Inherited Metabolic Disorder - PKU
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Inpatient Hospital Services (e.g., Hospital Stay)
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Inpatient Physician and Surgical Services
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Laboratory Outpatient and Professional Services
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Long-Term/Custodial Nursing Home Care
|
NO | ||
Major Dental Care - Adult
|
NO | ||
Major Dental Care - Child
|
NO | ||
Mental/Behavioral Health Inpatient Services
Exclusions: Exclusions include certain mental health and substance abuse services, including: aptitude tests, testing and treatment for learning disabilities, treatment for personality disorders, treatment [of] factitious disorders, treatment of sleep disorders, treatment of sexual and gender identity disorders, care beyond that needed to determine mental deficiency or retardation, marital/relationship counseling, and care at behavioral health facilities. Methadone is not Covered |
YES | 40.00% Coinsurance after deductible |
100.00% |
Mental/Behavioral Health Outpatient Services
Exclusions: Exclusions include certain mental health and substance abuse services, including: aptitude tests, testing and treatment for learning disabilities, treatment for personality disorders, treatment [of] factitious disorders, treatment of sleep disorders, treatment of sexual and gender identity disorders, care beyond that needed to determine mental deficiency or retardation, marital/relationship counseling, and care at behavioral health facilities. Psychological tests (limit of 8 hours of tests per year). |
YES | $40.00 |
100.00% |
Newborn Hearing Screening
|
YES | No Charge |
100.00% |
Non-Preferred Brand Drugs
|
YES | $80.00 Copay after deductible |
100.00% |
Nutritional Counseling
Also covered per USPSTF guidelines. |
YES | No Charge |
100.00% |
Orthodontia - Adult
|
NO | ||
Orthodontia - Child
|
NO | ||
Other Practitioner Office Visit (Nurse, Physician Assistant)
|
YES | $40.00 |
100.00% |
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Outpatient Rehabilitation Services
Limit: 30.0 Visit(s) per Benefit Period Exclusions: OT and PT covered only when needed to help your condition improve in a reasonable and predictable time. Combined limit of 30 visits per benefit period for Rehabilitative Physical Therapy and Occupational Therapy; 30 visits per benefit period for Rehabilitative Speech Therapy. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Outpatient Surgery Physician/Surgical Services
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Preferred Brand Drugs
|
YES | $40.00 |
100.00% |
Prenatal and Postnatal Care
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Preventive Care/Screening/Immunization
Colorectal cancer screening must be covered. |
YES | 0.00% |
100.00% |
Primary Care Visit to Treat an Injury or Illness
|
YES | $40.00 |
100.00% |
Private-Duty Nursing
Limit: 240.0 Hours per Benefit Period Exclusions: This care isn't covered when done in special care units of the hospital, such as: self-care units; selective care units; intensive care units. Covered health services under this section include medically necessary nursing care provided to a patient one on one by licensed nurses in an inpatient or home setting. Private duty nursing care is covered when you are an inpatient in an acute hospital. This care isn't covered when done in special care units of the hospital such as: -self-care units -selective care units -intensive care units Inpatient private duty nursing care is not covered when done as a convenience even if authorized by your doctor. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Prosthetic Devices
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Radiation
Radiation therapy is covered for cancer and neoplastic diseases. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Reconstructive Surgery
Only for breast reconstruction. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Rehabilitative Occupational and Rehabilitative Physical Therapy
Limit: 30.0 Visit(s) per Benefit Period Exclusions: OT and PT covered only when needed to help your condition improve in a reasonable and predictable time. Combined limit of 30 visits per benefit period for Rehabilitative Physical Therapy and Occupational Therapy. Must be needed to help your condition improve in a reasonable and predictable time, or needed to establish an effective home exercise program. |
YES | $40.00 |
100.00% |
Rehabilitative Speech Therapy
Limit: 30.0 Visit(s) per Benefit Period Exclusions: Speech therapy is not covered for attention disorders, behavior problems, conceptual handicaps, learning disabilities, developmental delays. Combined Rehabilitative and Habilitative limit of 30 visits per benefit period. Must be needed to improve speech problems caused by disease, trauma, congenital defect, or recent surgery. |
YES | $40.00 |
100.00% |
Reversible Contraceptives
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Routine Dental Services (Adult)
|
NO | ||
Routine Eye Exam (Adult)
|
NO | ||
Routine Eye Exam for Children
Limit: 1.0 Exam(s) per Benefit Period |
YES | 40.00% Coinsurance after deductible |
100.00% |
Routine Foot Care
|
YES | 40.00% Coinsurance after deductible |
100.00% |
School Based Health Centers
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Skilled Nursing Facility
Limit: 120.0 Days per Admission Exclusions: Covered health services do not include custodial, domiciliary care, or long-term care admissions. The skilled nursing facility is a Network Provider. Coverage is limited to 120 days per confinement. A confinement includes all admissions not separated by 180 days. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Specialist Visit
|
YES | $80.00 |
100.00% |
Specialty Drugs
|
YES | $125.00 Copay after deductible |
100.00% |
Substance Abuse Disorder Inpatient Services
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Substance Abuse Disorder Outpatient Services
|
YES | $40.00 |
100.00% |
Transplant
Your health benefit plan has a maximum benefit limit per transplant of $10,000 for each cadaveric organ and up to $45,000 for each organ procured from a living donor including organ harvesting. Kidney and bone marrow transplants do not apply to this limit. For kidney transplants, if there is not a network transplant facility available living donor costs are limited to $50,000 not including harvesting. |
YES | 40.00% Coinsurance after deductible |
100.00% |
Treatment for Temporomandibular Joint Disorders
Treatment is covered if there is documented organic joint disease, or joint damage resulting from physical trauma |
YES | 40.00% Coinsurance after deductible |
100.00% |
Urgent Care Centers or Facilities
|
YES | $60.00 |
100.00% |
Weight Loss Programs
|
NO | ||
Well Baby Visits and Care
|
YES | No Charge |
100.00% |
X-rays and Diagnostic Imaging
|
YES | 40.00% Coinsurance after deductible |
100.00% |
Plan Attribute | Value |
---|---|
AV Calculator Output Number | 0.7001495200991391 |
Begin Primary Care Cost-Sharing After Number Of Visits | 0 |
Begin Primary Care Deductible Coinsurance After Number Of Copays | 0 |
Business Year | 2024 |
Child-Only Offering | Allows Adult and Child-Only |
Composite Rating Offered | No |
CSR Variation Type | Limited Cost Sharing Plan Variation |
Dental Only Plan | No |
Design Type | Design 2 |
Disease Management Programs Offered | Asthma, Diabetes, Pregnancy, Weight Loss Programs |
EHB Percent of Total Premium | 1.0 |
First Tier Utilization | 100% |
Formulary ID | DEF003 |
Formulary URL | URL |
HIOS Product ID | 72760DE001 |
Import Date | 2023-08-16 20:01:48 |
Limited Cost Sharing Plan Variation - Estimated Advanced Payment | $0.00 |
Inpatient Copayment Maximum Days | 0 |
HSA Eligible | No |
New/Existing Plan | Existing |
Notice Required for Pregnancy | No |
Is a Referral Required for Specialist? | No |
Issuer ID | 72760 |
Issuer Marketplace Marketing Name | AmeriHealth Caritas Next |
Market Coverage | Individual |
Medical Drug Deductibles Integrated | Yes |
Medical Drug Maximum Out of Pocket Integrated | Yes |
Metal Level | Silver |
Multiple In Network Tiers | No |
National Network | No |
Network ID | DEN001 |
Out of Country Coverage | No |
Out of Service Area Coverage | No |
Plan Brochure | URL |
Plan Effective Date | 2024-01-01 |
Plan Expiration Date | 2024-12-31 |
Plan ID (Standard Component ID with Variant) | 72760DE0010003-03 |
Plan Marketing Name | AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals |
Plan Type | HMO |
Plan Variant Marketing Name | AmeriHealth Caritas Next Silver Classic + $0 Virtual Care 24/7 + $0 Preventive Care + No-Referrals Limited Cost-Sharing Plan |
QHP/Non QHP | Both |
SBC Scenario, Having a Baby, Coinsurance | $0 |
SBC Scenario, Having a Baby, Copayment | $0 |
SBC Scenario, Having a Baby, Deductible | $0 |
SBC Scenario, Having a Baby, Limit | $0 |
SBC Scenario, Having Diabetes, Coinsurance | $0 |
SBC Scenario, Having Diabetes, Copayment | $0 |
SBC Scenario, Having Diabetes, Deductible | $0 |
SBC Scenario, Having Diabetes, Limit | $0 |
SBC Scenario, Treatment of a Simple Fracture, Coinsurance | $0 |
SBC Scenario, Treatment of a Simple Fracture, Copayment | $0 |
SBC Scenario, Treatment of a Simple Fracture, Deductible | $0 |
SBC Scenario, Treatment of a Simple Fracture, Limit | $0 |
Service Area ID | DES001 |
Source Name | SERFF |
Plan ID | 72760DE0010003 |
State Code | DE |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group | per group not applicable |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person | per person not applicable |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual | Not Applicable |
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group | per group not applicable |
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person | per person not applicable |
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual | Not Applicable |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance | 40.00% |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group | $11800 per group |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person | $5900 per person |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual | $5,900 |
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group | per group not applicable |
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person | per person not applicable |
Combined Medical and Drug EHB Deductible, Out of Network, Individual | Not Applicable |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group | $18200 per group |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person | $9100 per person |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual | $9,100 |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group | per group not applicable |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person | per person not applicable |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual | Not Applicable |
Unique Plan Design | No |
URL for Enrollment Payment | URL |
URL for Summary of Benefits & Coverage | URL |
Wellness Program Offered | Yes |
Drug Tier | Pharmacy Type | Copay amount | Copay option | Coinsurance rate | Coinsurance option | Mail Order |
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Unfortunately, this health insurance plan does not support mail ordering or the plan data in not available.
Disclaimer: This is based on the import(Date: Tue, 20 Aug 2024 06:14 GMT) of the data from Healthcare Issuers listed by CMS. While we make every effort to ensure that data is accurate, you should assume all results are unvalidated. Source: CMS.gov, HealthPorta HEALTHCARE MRF API