BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision - 23435AZ0040024 Health Insurance Plan
Banner Health and Aetna Health Plan Inc. health insurance plan with the Plan ID 23435AZ0040024. The plan is called BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision.
Based on the data of Health Plan Issuer, this plan has an actuarial value of 78.10% (the percentage of total average costs for covered benefits that a plan will cover). So, on average, you would be responsible for 21.90% of the costs of all covered benefits (according to the Issuer).
| Health Insurance Plan ID | 23435AZ0040024 | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Health Insurance Plan Year | 2025 | ||||||||||||||||||
| State | Arizona | ||||||||||||||||||
| Health Insurance Issuer | Banner Health and Aetna Health Plan Inc. | ||||||||||||||||||
| Plan Formulary Description URL | Formulary URL | ||||||||||||||||||
| Plan Marketing Materials URL | Marketing URL | ||||||||||||||||||
| Health Insurance Plan Variant | 23435AZ0040024-01 | ||||||||||||||||||
| Provider Network(s) | PREFERRED NON-PREFERRED | ||||||||||||||||||
| In Network Doctors
*The data available in our database based on Health Insurance Company Open Data (update: Tue, 24 Dec 2024 06:21 GMT). |
|
||||||||||||||||||
| Available Variants of the Health Plan | Standard Off Exchange Plan - 23435AZ0040024-00 Standard On Exchange Plan - 23435AZ0040024-01 |
||||||||||||||||||
| Last Plan Update Date | Fri, 15 Nov 2024 00:00 GMT | ||||||||||||||||||
| Last Import Date | Tue, 24 Dec 2024 06:21 GMT |
Benefits of BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, 23435AZ0040024-01
| Benefit | Covered | In Network | Out Of Network |
|---|---|---|---|
| Abortion for Which Public Funding is Prohibited
|
NO | ||
| Accidental Dental
Benefits are payable for the services of a Physician, dentist, or dental surgeon, provided the services are rendered for treatment of an accidental injury to sound natural teeth where the continuous course of treatment is started within six (6) months of the accident. Member cost share based on place and type of service. |
YES | $35.00 |
100.00% |
| Acupuncture
|
NO | ||
| Allergy Testing
Member cost share based on place and type of service. |
YES | $35.00 |
100.00% |
| Bariatric Surgery
Pre-certification is required. Surgery for obesity will be a Covered Service only when required due to morbid obesity. The participant meets the current NIH (National Institutes of Health) surgical criteria. |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Basic Dental Care - Adult
Coverage is limited to ages 19 and up.?$50 deductible / $1,000 calendar year maximum for all dental services (Routine check-up, Basic & Major). |
YES | 50.00% |
100.00% |
| Basic Dental Care - Child
|
NO | ||
| Chemotherapy
Member cost share based on place and type of service. |
YES | 40.00% Coinsurance after deductible |
100.00% |
| Chiropractic Care
Limit: 20.0 Visit(s) per Year |
YES | $35.00 |
100.00% |
| Cosmetic Surgery
Cosmetic surgery or procedures excluded, other than to treat congenital defects and birth abnormalities |
NO | ||
| Delivery and All Inpatient Services for Maternity Care
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Dental Check-Up for Children
|
NO | ||
| Diabetes Education
Member cost share based on place and type of service. |
YES | $35.00 |
100.00% |
| Dialysis
Member cost share based on place and type of service. |
YES | 40.00% Coinsurance after deductible |
100.00% |
| Durable Medical Equipment
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Emergency Room Services
Exclusions: No coverage for non-emergency use of the emergency room. |
YES | 45.00% Coinsurance after deductible |
45.00% Coinsurance after deductible |
| Emergency Transportation/Ambulance
|
YES | 45.00% Coinsurance after deductible |
45.00% Coinsurance after deductible |
| Eye Glasses for Children
Limit: 1.0 Item(s) per Year Coverage is limited to 1 set of frames and 1 set of contact lenses or eyeglass lenses per year through the end of the month in which the member turns 19. |
YES | $10.00 |
100.00% |
| Gender Affirming Care
|
NO | ||
| Generic Drugs
Cost share could vary based on drug and pharmacy selected. Please see the Summary of Benefits & Coverage (SBC) or policy document for plan details. |
YES | $3.00 |
100.00% |
| Habilitation Services
Health care services that are needed to keep, learn, or improve your skills and functioning for daily living which may include physical therapy, occupational therapy, and speech therapy. Please refer to the plan policy documents for detailed information. |
YES | 35.00% Coinsurance after deductible |
100.00% |
| Hearing Aids
Limit: 1.0 Item(s) per Year Coverage is limited to one hearing aid per ear per year. |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Home Health Care Services
Limit: 42.0 Visit(s) per Year |
YES | $35.00 |
100.00% |
| Hospice Services
Member cost share based on place and type of service. |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Imaging (CT/PET Scans, MRIs)
|
YES | 35.00% Coinsurance after deductible |
100.00% |
| Infertility Treatment
Coverage limited to diagnosis and treatment of the underlying medical condition. Member cost share based on place and type of service. |
NO | ||
| Infusion Therapy
Member cost share based on place and type of service. |
YES | 40.00% Coinsurance after deductible |
100.00% |
| Inpatient Hospital Services (e.g., Hospital Stay)
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Inpatient Physician and Surgical Services
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Laboratory Outpatient and Professional Services
|
YES | $25.00 |
100.00% |
| Long-Term/Custodial Nursing Home Care
|
NO | ||
| Major Dental Care - Adult
Coverage is limited to ages 19 and up. 6 month waiting period regardless of prior coverage. $50 deductible / $1,000 calendar year maximum for all dental services (Routine check-up, Basic & Major). |
YES | 50.00% |
100.00% |
| Major Dental Care - Child
|
NO | ||
| Mental/Behavioral Health Inpatient Services
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Mental/Behavioral Health Outpatient Services
The cost sharing that displays applies to outpatient office visits only. All other outpatient services may be subject to additional cost sharing. Please refer to the plan policy documents for detailed information. |
YES | $15.00 |
100.00% |
| Non-Preferred Brand Drugs
Cost share could vary based on drug and pharmacy selected. Please see the Summary of Benefits & Coverage (SBC) or policy document for plan details. |
YES | 40.00% Coinsurance after deductible |
100.00% |
| Nutritional Counseling
|
YES | No Charge |
100.00% |
| Orthodontia - Adult
|
NO | ||
| Orthodontia - Child
|
NO | ||
| Other Practitioner Office Visit (Nurse, Physician Assistant)
Cost share applies to both in-person and virtual services from in-network providers. Cost share does not apply to virtual services from designated telemedicine providers. If this is an HSA plan, deductible applies. |
YES | $15.00 |
100.00% |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
|
YES | 40.00% Coinsurance after deductible |
100.00% |
| Outpatient Rehabilitation Services
Limit: 60.0 Visit(s) per Year Coverage is limited to 60 visits per year for Physical Therapy, Occupational Therapy, and Speech Therapy combined. |
YES | $35.00 |
100.00% |
| Outpatient Surgery Physician/Surgical Services
|
YES | 40.00% Coinsurance after deductible |
100.00% |
| Preferred Brand Drugs
Cost share could vary based on drug and pharmacy selected. Please see the Summary of Benefits & Coverage (SBC) or policy document for plan details. |
YES | $40.00 |
100.00% |
| Prenatal and Postnatal Care
Member cost sharing applies to postnatal care. |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Preventive Care/Screening/Immunization
Age and frequency schedules may apply. |
YES | No Charge |
100.00% |
| Primary Care Visit to Treat an Injury or Illness
Cost share applies to both in-person and virtual services from in-network providers. Cost share does not apply to virtual services from designated telemedicine providers. If this is an HSA plan, deductible applies. |
YES | $15.00 |
100.00% |
| Private-Duty Nursing
Private hospital rooms and/or private duty nursing are only available during inpatient stays and determined to be medically appropriate. Private duty nursing is available only in an inpatient setting when skilled nursing is not available from the facility. Custodial Nursing is not covered. |
NO | ||
| Prosthetic Devices
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Radiation
Member cost share based on place and type of service. |
YES | 40.00% Coinsurance after deductible |
100.00% |
| Reconstructive Surgery
Member cost share based on place and type of service. |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Rehabilitative Occupational and Rehabilitative Physical Therapy
Limit: 60.0 Visit(s) per Year Coverage is limited to 60 visits per year for Physical Therapy, Occupational Therapy, and Speech Therapy combined. |
YES | $35.00 |
100.00% |
| Rehabilitative Speech Therapy
Limit: 60.0 Visit(s) per Year Coverage is limited to 60 visits per year for Physical Therapy, Occupational Therapy, and Speech Therapy combined. |
YES | $35.00 |
100.00% |
| Routine Dental Services (Adult)
Limit: 2.0 Visit(s) per Year Coverage is limited to ages 19 and up. $1,000 calendar year maximum for all dental services (Routine check-up, Basic & Major). |
YES | No Charge |
100.00% |
| Routine Eye Exam (Adult)
Limit: 1.0 Exam(s) per Year Coverage is limited to ages 19 and up. Benefit limitations may apply. |
YES | $10.00 |
100.00% |
| Routine Eye Exam for Children
Limit: 1.0 Visit(s) per Year Coverage through the end of the month in which the member turns 19. |
YES | $10.00 |
100.00% |
| Routine Foot Care
|
NO | ||
| Skilled Nursing Facility
Limit: 90.0 Days per Year |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Specialist Visit
|
YES | $35.00 |
100.00% |
| Specialty Drugs
Cost share could vary based on drug and pharmacy selected. Please see the Summary of Benefits & Coverage (SBC) or policy document for plan details. |
YES | 50.00% Coinsurance after deductible |
100.00% |
| Substance Abuse Disorder Inpatient Services
|
YES | 45.00% Coinsurance after deductible |
100.00% |
| Substance Abuse Disorder Outpatient Services
|
YES | $15.00 |
100.00% |
| Transplant
Member cost share based on place and type of service. Network benefits must be received within the Institutes of Excellence (IOE) transplant network. |
YES | 45.00% Coinsurance after deductible |
100.00% |
| Treatment for Temporomandibular Joint Disorders
Coverage is limited to accident, trauma, congenital/developmental defects or pathology. Member cost share based on place and type of service. |
YES | $35.00 |
100.00% |
| Urgent Care Centers or Facilities
Exclusions: No coverage for non-urgent care. |
YES | $25.00 |
100.00% |
| Weight Loss Programs
|
NO | ||
| Well Baby Visits and Care
Age and frequency schedules may apply. |
YES | No Charge |
100.00% |
| X-rays and Diagnostic Imaging
|
YES | $50.00 |
100.00% |
BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan Variant 23435AZ0040024-01 Attributes
| Plan Attribute | Value |
|---|---|
| Begin Primary Care Cost-Sharing After Number Of Visits | 0 |
| Begin Primary Care Deductible Coinsurance After Number Of Copays | 0 |
| Business Year | 2025 |
| Child-Only Offering | Allows Adult and Child-Only |
| Composite Rating Offered | No |
| CSR Variation Type | Standard Gold On Exchange Plan |
| Dental Only Plan | No |
| Design Type | Not Applicable |
| Disease Management Programs Offered | Asthma, Heart Disease, Depression, Diabetes, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy |
| EHB Percent of Total Premium | 0.9478 |
| First Tier Utilization | 100% |
| Formulary ID | AZF009 |
| Formulary URL | URL |
| HIOS Product ID | 23435AZ004 |
| Import Date | 2024-11-15 00:01:36 |
| Limited Cost Sharing Plan Variation - Estimated Advanced Payment | 0 |
| Inpatient Copayment Maximum Days | 0 |
| HSA Eligible | No |
| New/Existing Plan | New |
| Notice Required for Pregnancy | No |
| Is a Referral Required for Specialist? | No |
| Issuer Actuarial Value | 78.10% |
| Issuer ID | 23435 |
| Issuer Marketplace Marketing Name | BannerAetna |
| Market Coverage | Individual |
| Medical Drug Deductibles Integrated | Yes |
| Medical Drug Maximum Out of Pocket Integrated | Yes |
| Metal Level | Gold |
| Multiple In Network Tiers | No |
| National Network | No |
| Network ID | AZN003 |
| Out of Country Coverage | No |
| Out of Service Area Coverage | No |
| Out of Service Area Coverage Description | Except for Emergencies |
| Plan Brochure | URL |
| Plan Effective Date | 2025-01-01 |
| Plan ID (Standard Component ID with Variant) | 23435AZ0040024-01 |
| Plan Marketing Name | BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision |
| Plan Type | HMO |
| Plan Variant Marketing Name | BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision |
| QHP/Non QHP | Both |
| SBC Scenario, Having a Baby, Coinsurance | $4,100 |
| SBC Scenario, Having a Baby, Copayment | $200 |
| SBC Scenario, Having a Baby, Deductible | $895 |
| SBC Scenario, Having a Baby, Limit | $60 |
| SBC Scenario, Having Diabetes, Coinsurance | $0 |
| SBC Scenario, Having Diabetes, Copayment | $900 |
| SBC Scenario, Having Diabetes, Deductible | $0 |
| SBC Scenario, Having Diabetes, Limit | $20 |
| SBC Scenario, Treatment of a Simple Fracture, Coinsurance | $500 |
| SBC Scenario, Treatment of a Simple Fracture, Copayment | $200 |
| SBC Scenario, Treatment of a Simple Fracture, Deductible | $895 |
| SBC Scenario, Treatment of a Simple Fracture, Limit | $0 |
| Service Area ID | AZS003 |
| Source Name | HIOS |
| Plan ID | 23435AZ0040024 |
| State Code | AZ |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group | $18390 per group |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person | $9195 per person |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual | $9,195 |
| Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group | $1790 per group |
| Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person | $895 per person |
| Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual | $895 |
| 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 | $1790 per group |
| Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person | $895 per person |
| Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual | $895 |
| 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 | $18390 per group |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person | $9195 per person |
| Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual | $9,195 |
| 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 | Yes |
| URL for Enrollment Payment | URL |
| URL for Summary of Benefits & Coverage | URL |
| Wellness Program Offered | Yes |
Copay & Coinsurance of BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, 23435AZ0040024
| Drug Tier | Pharmacy Type | Copay amount | Copay option | Coinsurance rate | Coinsurance option | Mail Order |
|---|
Frequently Asked Questions(FAQ) about BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision, 23435AZ0040024 Health Insurance Plan, 23435AZ0040024
-
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, 23435AZ0040024 support Mail Ordering?
Unfortunately, this health insurance plan does not support mail ordering or the plan data in not available.
Does (23435AZ0040024) Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs?
Does (23435AZ0040024) Health Insurance Plan, Variant (23435AZ0040024-01) have Out Of Country Coverage?
Does (23435AZ0040024) Health Insurance Plan, Variant (23435AZ0040024-01) have Out of Service Area Coverage?
Does (23435AZ0040024) Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for Asthma?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for Heart disease?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for Depression?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for Diabetes?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for High blood pressure & high cholesterol?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for Low back pain?
Does BannerAetna Gold 3: No PCP required + free 98point6 virtual care 24/7 + Adult Dental + Vision Health Insurance Plan, Variant (23435AZ0040024-01) offer Disease Management Programs for Pregnancy?
Disclaimer: This is based on the import(Date: Tue, 24 Dec 2024 06:21 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