USAble HMO, Inc. health insurance plan with the Plan ID 48772AR0010004. The plan is called Octave Bronze Exp Standardized.
Based on the AV Calculator by CMS.gov, the plan has an actuarial value of 100.00% (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 0.00% 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 | 48772AR0010004 | ||||||||||||||||||
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Health Insurance Plan Year | 2025 | ||||||||||||||||||
State | Arkansas | ||||||||||||||||||
Health Insurance Issuer | USAble HMO, Inc. | ||||||||||||||||||
Plan Formulary Description URL | Formulary URL | ||||||||||||||||||
Plan Marketing Materials URL | Marketing URL | ||||||||||||||||||
Health Insurance Plan Variant | 48772AR0010004-02 | ||||||||||||||||||
Provider Network(s) | USABLE-MUTUAL-CONNECT-PPO NON-PREFERRED | ||||||||||||||||||
In Network Doctors
*The data available in our database based on Health Insurance Company Open Data (update: Thu, 21 Nov 2024 00:44 GMT). |
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Available Variants of the Health Plan | Standard Off Exchange Plan - 48772AR0010004-00 Standard On Exchange Plan - 48772AR0010004-01 |
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Last Plan Update Date | Thu, 10 Oct 2024 00:00 GMT | ||||||||||||||||||
Last Import Date | Thu, 21 Nov 2024 00:44 GMT |
Benefit | Covered | In Network | Out Of Network |
---|---|---|---|
Abortion for Which Public Funding is Prohibited
|
NO | ||
Accidental Dental
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Acupuncture
|
NO | ||
Allergy Testing
SOB includes 'allergy services.' |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Applied Behavior Analysis Based Therapies
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Bariatric Surgery
|
NO | ||
Basic Dental Care - Adult
|
NO | ||
Basic Dental Care - Child
|
NO | ||
Chemotherapy
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Chiropractic Care
Limit: 30.0 Visit(s) per Year Limit is explicitly a combined 30-visit limit for PT, OT, ST and chiro. |
YES | $0.00, 0.00% |
100.00% |
Cochlear Implants
One cochlear implant per ear per Covered Person per lifetime |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Cosmetic Surgery
|
NO | ||
Craniofacial Surgery
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Delivery and All Inpatient Services for Maternity Care
Childbirth/delivery professional services: 48772AR0010004-01-50% Coinsurance after deductible for in-network and out-of-network services; 48772AR0010004-02-No charge for in-network and out-of-network services; 48772AR0010004-03-50% Coinsurance after deductible for in-network and out-of-network services; Coverage for Out of Network newborn services is limited to $2000 per person for all services first 90 days after birth. Coverage requires Prior Notification to Octave. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Dental Anesthesia
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Dental Check-Up for Children
|
NO | ||
Diabetes Care Management
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Diabetes Education
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Dialysis
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Durable Medical Equipment
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Emergency Room Services
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Emergency Transportation/Ambulance
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Eye Glasses for Children
Limit: 1.0 Item(s) per Year |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Gastric Electrical Stimulation
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Gender Affirming Care
|
YES | $0.00, 0.00% |
100.00% |
Generic Drugs
Mail Order cost: 48772AR0010004-01- $50 Copay in-network, and 48772AR0010004-03- $50 Copay in-network |
YES | $0.00, 0.00% |
100.00% |
Habilitation Services
Limit: 30.0 Visit(s) per Year Limit is explicitly a combined 30-visit limit for PT, OT, ST and chiro; Limited to a maximum of 180 units for developmental services visits per Covered Person per calendar year. |
YES | $0.00, 0.00% |
100.00% |
Hearing Aids
Coverage is limited to $1400/hearing aid |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Home Health Care Services
Limit: 50.0 Visit(s) per Year Coverage is provided for Home Health Services when Coverage Policy supports the need for in-home service and such care is prescribed or ordered by a Physician. Covered Services must be provided through and billed by a licensed home health agency. Covered Services provided in the home include services of a Registered Professional Nurse (R.N.), a Licensed Practical Nurse (L.P.N.) or a Licensed Psychiatric Technical Nurse (L.P.T.N.). |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Hospice Services
If the Covered Person has been diagnosed and certified by the attending Physician as having a terminal illness with a life expectancy of six months or less, Octave will pay the Allowance or Allowable Charge for Hospice Care. The services must be rendered by an entity licensed by the Arkansas Department of Health or other appropriate state licensing agency and accepted by Octave as a Provider. This benefit is subject to the Deductible, Copayment and Coinsurance specified in the Schedule of Benefits. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Imaging (CT/PET Scans, MRIs)
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Infertility Treatment
|
NO | ||
Infusion Therapy
Home infusion therapy. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Inherited Metabolic Disorder - PKU
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Inpatient Hospital Services (e.g., Hospital Stay)
Requires Prior Notification to Octave. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Inpatient Physician and Surgical Services
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Laboratory Outpatient and Professional Services
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Long-Term/Custodial Nursing Home Care
|
NO | ||
Major Dental Care - Adult
|
NO | ||
Major Dental Care - Child
|
NO | ||
Mental/Behavioral Health Inpatient Services
Requires Prior Notification to Octave. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Mental/Behavioral Health Outpatient Services
Cost Sharing does NOT apply to screenings.The cost sharing that displays applies to outpatient evaluation, consultation, and psychotherapy office visits only. All other outpatient services and procedures provided in an office or outpatient facility may be subject to additional cost sharing. Please refer to plan policy documents for detailed information. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Non-Preferred Brand Drugs
Mail Order cost: 48772AR0010004-01- $200 Copay after deductible in-network, and 48772AR0010004-03- $200 Copay after deductible in-network |
YES | $0.00, 0.00% |
100.00% |
Nutritional Counseling
Coverage is provided for dietary and nutritional counseling services when provided in conjunction with diabetic self-management training, for services needed by covered persons in connection with cleft palate management and for nutritional assessment programs provided in and by a hospital and approved by Octave. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Off Label Prescription Drugs
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Orthodontia - Adult
|
NO | ||
Orthodontia - Child
|
NO | ||
Other Practitioner Office Visit (Nurse, Physician Assistant)
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Outpatient Rehabilitation Services
Limit: 30.0 Visit(s) per Year Limit is explicitly a combined 30-visit limit for PT, OT, ST and chiro. |
YES | $0.00, 0.00% |
100.00% |
Outpatient Surgery Physician/Surgical Services
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Preferred Brand Drugs
Mail Order cost: 48772AR0010004-01- $100 Copay after deductible in-network, and 48772AR0010004-03- $100 Copay after deductible in-network |
YES | $0.00, 0.00% |
100.00% |
Prenatal and Postnatal Care
Requires Prior Notification to Octave. Coverage for routine ultrasound is limited to 1. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Preventive Care/Screening/Immunization
Limit: 1.0 Visit(s) per Year |
YES | $0.00, 0.00% |
100.00% |
Preventive Drugs
|
YES | $0.00, 0.00% |
100.00% |
Primary Care Visit to Treat an Injury or Illness
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Private-Duty Nursing
|
NO | ||
Prosthetic Devices
Replaced no more frequently than once per 3-yr period except when necessary for growth or end of device's useful life. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Radiation
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Reconstructive Surgery
1. Treatment provided for the correction of defects incurred in an Accidental Injury sustained by the Covered Person; 2. Surgery performed for the removal of a port-wine stain or hemangioma (only on the face) 3. Treatment provided for reconstructive surgery following neoplastic (cancer) surgery; 4. In connection with a mastectomy resulting from surgery, services for (a) reconstruction of the breast on which the cancer-related surgery was performed; (b) surgery to reconstruct the other breast to produce a symmetrical appearance; and (c) prostheses and services to correct physical complications for all stages of the mastectomy, including lymphedemas; 5. Reduction mammoplasty, if such reduction mammoplasty meets Coverage Criteria. |
YES | $0.00, 0.00% |
100.00% |
Rehabilitative Occupational and Rehabilitative Physical Therapy
Limit: 30.0 Visit(s) per Year Limit is explicitly a combined 30-visit limit for PT, OT, ST and chiro. |
YES | $0.00, 0.00% |
100.00% |
Rehabilitative Speech Therapy
Limit: 30.0 Visit(s) per Year Limit is explicitly a combined 30-visit limit for PT, OT, ST and chiro. |
YES | $0.00, 0.00% |
100.00% |
Routine Dental Services (Adult)
|
NO | ||
Routine Eye Exam (Adult)
Limit: 1.0 Visit(s) per 2 Years |
YES | $0.00, 0.00% |
100.00% |
Routine Eye Exam for Children
Limit: 1.0 Exam(s) per Year |
YES | $0.00, 0.00% |
100.00% |
Routine Foot Care
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Skilled Nursing Facility
Limit: 60.0 Days per Year 1. The admission must be within seven days of release from an inpatient Hospital stay; 2. The Skilled Nursing Facility services are of a temporary nature and increase ability to function. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Specialist Visit
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Specialty Drugs
Requires Prior Approval from Octave. |
YES | $0.00, 0.00% |
100.00% |
Specialty Drugs Tier 2
Requires Prior Approval from Octave. |
YES | $0.00, 0.00% |
100.00% |
Substance Abuse Disorder Inpatient Services
Requires Prior Notification to Octave. |
YES | $0.00, 0.00% |
$0.00, 0.00% |
Substance Abuse Disorder Outpatient Services
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Transplant
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Treatment for Temporomandibular Joint Disorders
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Urgent Care Centers or Facilities
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Weight Loss Programs
|
NO | ||
Well Baby Visits and Care
|
YES | $0.00, 0.00% |
100.00% |
Well Child Care
|
YES | $0.00, 0.00% |
100.00% |
X-rays and Diagnostic Imaging
|
YES | $0.00, 0.00% |
$0.00, 0.00% |
Plan Attribute | Value |
---|---|
AV Calculator Output Number | 1.0 |
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 | Zero Cost Sharing Plan Variation |
Dental Only Plan | No |
Design Type | Design 1 |
Disease Management Programs Offered | Asthma, Heart Disease, Depression, Diabetes, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy, Weight Loss Programs |
EHB Percent of Total Premium | 0.9996 |
First Tier Utilization | 100% |
Formulary ID | ARF006 |
Formulary URL | URL |
HIOS Product ID | 48772AR001 |
Import Date | 2024-10-10 20:01:47 |
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 | Yes |
Is a Referral Required for Specialist? | No |
Issuer ID | 48772 |
Issuer Marketplace Marketing Name | Octave |
Market Coverage | Individual |
Medical Drug Deductibles Integrated | Yes |
Medical Drug Maximum Out of Pocket Integrated | Yes |
Metal Level | Expanded Bronze |
Multiple In Network Tiers | No |
National Network | No |
Network ID | ARN001 |
Out of Country Coverage | Yes |
Out of Country Coverage Description | Emergency Care |
Out of Service Area Coverage | Yes |
Out of Service Area Coverage Description | Benefit Reduction |
Plan Brochure | URL |
Plan Effective Date | 2025-01-01 |
Plan Expiration Date | 2025-12-31 |
Plan ID (Standard Component ID with Variant) | 48772AR0010004-02 |
Plan Level Exclusions | No |
Plan Marketing Name | Octave Bronze Exp Standardized |
Plan Type | POS |
Plan Variant Marketing Name | Octave Bronze Exp Standardized |
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 | $60 |
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 | ARS001 |
Source Name | SERFF |
Plan ID | 48772AR0010004 |
State Code | AR |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group | $0 per group |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person | $0 per person |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual | $0 |
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group | $0 per group |
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person | $0 per person |
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual | $0 |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance | 0.00% |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group | $0 per group |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person | $0 per person |
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual | $0 |
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group | $0 per group |
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person | $0 per person |
Combined Medical and Drug EHB Deductible, Out of Network, Individual | $0 |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group | $0 per group |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person | $0 per person |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual | $0 |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group | $0 per group |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person | $0 per person |
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual | $0 |
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: Thu, 21 Nov 2024 00:44 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