Octave Silver Standardized - 48772AR0010002 Health Insurance Plan

USAble HMO, Inc. health insurance plan with the Plan ID 48772AR0010002. The plan is called Octave Silver Standardized.

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 48772AR0010002
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 48772AR0010002-01
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).

Providers Arkansas All US States
All 21358 34990
PCP 2135 2783
Allergy 3 5
OB/GYN 69 108
Dentists 648 738
Available Variants of the Health Plan

Standard Off Exchange Plan - 48772AR0010002-00

Standard On Exchange Plan - 48772AR0010002-01

Open to Indians below 300% FPL - 48772AR0010002-02

Open to Indians above 300% FPL - 48772AR0010002-03

73% AV Silver Plan - 48772AR0010002-04

87% AV Silver Plan - 48772AR0010002-05

94% AV Silver Plan - 48772AR0010002-06

Last Plan Update Date Thu, 10 Oct 2024 00:00 GMT
Last Import Date Thu, 21 Nov 2024 00:44 GMT

Benefits of Octave Silver Standardized Health Insurance Plan, 48772AR0010002-01

Benefit Covered In Network Out Of Network
Abortion for Which Public Funding is Prohibited
NO
Accidental Dental
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Acupuncture
NO
Allergy Testing

SOB includes 'allergy services.'

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Applied Behavior Analysis Based Therapies
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Bariatric Surgery
NO
Basic Dental Care - Adult
NO
Basic Dental Care - Child
NO
Chemotherapy
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Chiropractic Care

Limit: 30.0 Visit(s) per Year

Limit is explicitly a combined 30-visit limit for PT, OT, ST and chiro.

YES

$40.00

100.00%
Cochlear Implants

One cochlear implant per ear per Covered Person per lifetime

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Cosmetic Surgery
NO
Craniofacial Surgery
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Delivery and All Inpatient Services for Maternity Care

Childbirth/delivery professional services: 48772AR0010002-01-40% Coinsurance after deductible for in-network services and 50% Coinsurance after deductible for out-of-network services; 48772AR0010002-02-No charge for in-network and out-of-network services; 48772AR0010002-03-40% Coinsurance after deductible for in-network services and 50% Coinsurance after deductible for out-of-network services; 48772AR0010002-04-40% Coinsurance after deductible for in-network services and 50% Coinsurance after deductible for out-of-network services; 48772AR0010002-05-30% Coinsurance after deductible for in-network services and 50% Coinsurance after deductible for out-of-network services; 48772AR0010002-06-25% Coinsurance for in-network services and 50% Coinsurance after deductible for 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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Dental Anesthesia
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Dental Check-Up for Children
NO
Diabetes Care Management
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Diabetes Education
YES

No Charge

50.00% Coinsurance after deductible
Dialysis
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Durable Medical Equipment
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Emergency Room Services
YES

40.00% Coinsurance after deductible

40.00% Coinsurance after deductible
Emergency Transportation/Ambulance
YES

40.00% Coinsurance after deductible

40.00% Coinsurance after deductible
Eye Glasses for Children

Limit: 1.0 Item(s) per Year

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Gastric Electrical Stimulation
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Gender Affirming Care
YES

40.00% Coinsurance after deductible

100.00%
Generic Drugs

Mail Order cost: 48772AR0010002-01- $40 Copay in-network, 48772AR0010002-03- $40 Copay in-network, 48772AR0010002-04- $40 Copay in-network, and 48772AR0010002-05- $20 Copay in-network

YES

$20.00

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

$40.00

100.00%
Hearing Aids

Coverage is limited to $1400/hearing aid

YES

40.00%

40.00%
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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Infertility Treatment
NO
Infusion Therapy

Home infusion therapy.

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Inherited Metabolic Disorder - PKU
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)

Requires Prior Notification to Octave.

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Inpatient Physician and Surgical Services
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
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

$40.00

50.00% Coinsurance after deductible
Non-Preferred Brand Drugs

Mail Order cost: 48772AR0010002-01- $160 Copay after deductible in-network, 48772AR0010002-03- $160 Copay after deductible in-network, 48772AR0010002-04- $160 Copay after deductible in-network, 48772AR0010002-05- $120 Copay after deductible in-network, and 48772AR0010002-06- $100 Copay in-network.

YES

$80.00 Copay after deductible

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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Off Label Prescription Drugs
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Orthodontia - Adult
NO
Orthodontia - Child
NO
Other Practitioner Office Visit (Nurse, Physician Assistant)
YES

$40.00

50.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
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

$40.00

100.00%
Outpatient Surgery Physician/Surgical Services
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Preferred Brand Drugs

Mail Order cost: 48772AR0010002-01- $80 Copay in-network, 48772AR0010002-03- $80 Copay in-network, 48772AR0010002-04- $80 Copay in-network, 48772AR0010002-05- $40 Copay in-network, and 48772AR0010002-06- $30 Copay in-network.

YES

$40.00

100.00%
Prenatal and Postnatal Care

Requires Prior Notification to Octave. Coverage for routine ultrasound is limited to 1.

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Preventive Care/Screening/Immunization

Limit: 1.0 Visit(s) per Year

YES

0.00%

100.00%
Preventive Drugs
YES

No Charge

100.00%
Primary Care Visit to Treat an Injury or Illness
YES

$40.00

50.00% Coinsurance after deductible
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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Radiation
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
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

40.00% Coinsurance after deductible

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

$40.00

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

$40.00

100.00%
Routine Dental Services (Adult)
NO
Routine Eye Exam (Adult)

Limit: 1.0 Visit(s) per 2 Years

YES

No Charge

100.00%
Routine Eye Exam for Children

Limit: 1.0 Exam(s) per Year

YES

No Charge

100.00%
Routine Foot Care
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
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

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Specialist Visit
YES

$80.00

50.00% Coinsurance after deductible
Specialty Drugs

Requires Prior Approval from Octave.

YES

$350.00 Copay after deductible

100.00%
Specialty Drugs Tier 2

Requires Prior Approval from Octave.

YES

$350.00 Copay after deductible

100.00%
Substance Abuse Disorder Inpatient Services

Requires Prior Notification to Octave.

YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services
YES

$40.00

50.00% Coinsurance after deductible
Transplant
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible
Urgent Care Centers or Facilities
YES

$60.00

50.00% Coinsurance after deductible
Weight Loss Programs
NO
Well Baby Visits and Care
YES

No Charge

100.00%
Well Child Care
YES

No Charge

100.00%
X-rays and Diagnostic Imaging
YES

40.00% Coinsurance after deductible

50.00% Coinsurance after deductible

Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 Attributes

Plan Attribute Value
AV Calculator Output Number 0.7001186159724491
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 Silver On Exchange Plan
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 ARF005
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 Silver
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) 48772AR0010002-01
Plan Level Exclusions No
Plan Marketing Name Octave Silver Standardized
Plan Type POS
Plan Variant Marketing Name Octave Silver Standardized
QHP/Non QHP Both
SBC Scenario, Having a Baby, Coinsurance $3,100
SBC Scenario, Having a Baby, Copayment $0
SBC Scenario, Having a Baby, Deductible $5,000
SBC Scenario, Having a Baby, Limit $40
SBC Scenario, Having Diabetes, Coinsurance $700
SBC Scenario, Having Diabetes, Copayment $100
SBC Scenario, Having Diabetes, Deductible $5,000
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 $1,900
SBC Scenario, Treatment of a Simple Fracture, Limit $0
Service Area ID ARS001
Source Name SERFF
Plan ID 48772AR0010002
State Code AR
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 $10000 per group
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person $5000 per person
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual $5,000
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group $18000 per group
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person $9000 per person
Combined Medical and Drug EHB Deductible, Out of Network, Individual $9,000
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group $16000 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person $8000 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual $8,000
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group $24800 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person $12400 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual $12,400
Unique Plan Design No
URL for Enrollment Payment URL
URL for Summary of Benefits & Coverage URL
Wellness Program Offered Yes

Copay & Coinsurance of Octave Silver Standardized Health Insurance Plan, 48772AR0010002

Drug Tier Pharmacy Type Copay amount Copay option Coinsurance rate Coinsurance option Mail Order

Frequently Asked Questions(FAQ) about Octave Silver Standardized, 48772AR0010002 Health Insurance Plan, 48772AR0010002

  • Does Octave Silver Standardized Health Insurance Plan, 48772AR0010002 support Mail Ordering?

    Unfortunately, this health insurance plan does not support mail ordering or the plan data in not available.

  • Does (48772AR0010002) Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs?

    Yes, and here is the list of available programs: Asthma, Heart Disease, Depression, Diabetes, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy, Weight Loss Programs

    Does (48772AR0010002) Health Insurance Plan, Variant (48772AR0010002-01) have Out Of Country Coverage?

    Yes. Details: Emergency Care

    Does (48772AR0010002) Health Insurance Plan, Variant (48772AR0010002-01) have Out of Service Area Coverage?

    Yes. Details: Benefit Reduction

    Does (48772AR0010002) Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs?

    Yes, and here is the list of available programs: Asthma, Heart Disease, Depression, Diabetes, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy, Weight Loss Programs

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Asthma?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Asthma.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Heart disease?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Heart disease.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Depression?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Depression.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Diabetes?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Diabetes.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for High blood pressure & high cholesterol?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for High blood pressure & high cholesterol.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Low back pain?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Low back pain.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Pregnancy?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Pregnancy.

    Does Octave Silver Standardized Health Insurance Plan, Variant (48772AR0010002-01) offer Disease Management Programs for Weight loss programs?

    Yes, the Octave Silver Standardized Health Insurance Plan Variant 48772AR0010002-01 offers Disease Management Program for Weight loss programs.

 

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