Sanford Individual Simplicity Standardized $5,000 - 89364ND0120017 Health Insurance Plan

Sanford Health Plan health insurance plan with the Plan ID 89364ND0120017. The plan is called Sanford Individual Simplicity Standardized $5,000.

Based on the AV Calculator by CMS.gov, the plan has an actuarial value of 87.33% (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 12.67% 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 89364ND0120017
Health Insurance Plan Year 2025
State North Dakota
Health Insurance Issuer Sanford Health Plan
Plan Formulary Description URL Formulary URL
Plan Marketing Materials URL Marketing URL
Health Insurance Plan Variant 89364ND0120017-05
Provider Network(s) NETWORK SIMPLICITY
In Network Doctors

*The data available in our database based on Health Insurance Company Open Data (update: Tue, 03 Dec 2024 06:24 GMT).

Providers North Dakota All US States
All 7324 88526
PCP 703 5192
Allergy 1 7
OB/GYN 19 174
Dentists 64 171
Available Variants of the Health Plan

Standard Off Exchange Plan - 89364ND0120017-00

Standard On Exchange Plan - 89364ND0120017-01

Open to Indians below 300% FPL - 89364ND0120017-02

Open to Indians above 300% FPL - 89364ND0120017-03

73% AV Silver Plan - 89364ND0120017-04

87% AV Silver Plan - 89364ND0120017-05

94% AV Silver Plan - 89364ND0120017-06

Last Plan Update Date Thu, 17 Oct 2024 00:00 GMT
Last Import Date Tue, 03 Dec 2024 06:24 GMT

Benefits of Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, 89364ND0120017-05

Benefit Covered In Network Out Of Network
Abortion for Which Public Funding is Prohibited

Elective abortion services are only covered when the mother?s life is endangered. Prior Authorization/certification required.

NO
Accidental Dental

Oral surgical procedures limited to services required because of injury, accident or cancer that damages Natural Teeth. This is an Outpatient Surgery that requires Certification. Care must be received within twelve 12 months of the occurrence. Injury does not include injuries to Natural Teeth caused by biting or chewing. Associated radiology services are included. Coverage applies regardless of whether the services are provided in a Hospital or a dental office. Extractions when medically necessary because of injury, accident, or cancer when internal guidelines are met.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Acupuncture
NO
Allergy Testing

Benefit includes serum, injections, testing and treatment.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Applied Behavior Analysis Based Therapies

Covered service for the treatment of Autism Spectrum Disorder. Prior Authorization required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Bariatric Surgery

Surgery must be medically necessary. Not all procedures classified as weight reduction surgery are covered. Prior approval for weight reduction surgery is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Basic Dental Care - Adult
NO
Basic Dental Care - Child
YES

No Charge

60.00% Coinsurance after deductible
Chemotherapy

Prior authorization is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Chiropractic Care

Limit: 20.0 Visit(s) per Benefit Period

YES

$20.00

60.00% Coinsurance after deductible
Cosmetic Surgery
NO
Delivery and All Inpatient Services for Maternity Care

Deductible Amount is waived when the newborn is released with the mother

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Dental Check-Up for Children

Limit: 2.0 Exam(s) per Benefit Period

YES

No Charge

60.00% Coinsurance after deductible
Diabetes Education
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Dialysis

Plan will pay first for the first 30 months after you become eligible to join Medicare.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Durable Medical Equipment

Coverage for DME prescribed by an attending Practitioner and/or Provider, which is Medically Necessary, not primarily and customarily used for non-medical purposes, designed for prolonged use, and for a specific therapeutic purpose in the treatment of an illness or injury. Limitations per Sanford Health Plan policy guidelines apply. Casts, splints, braces, crutches and dressings for the treatment of fracture, dislocation, torn muscles or ligaments and other chronic conditions per Sanford Health Plan policy. Prior authorization is required for certain items.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Emergency Room Services
YES

30.00% Coinsurance after deductible

30.00% Coinsurance after deductible
Emergency Transportation/Ambulance
YES

30.00% Coinsurance after deductible

30.00% Coinsurance after deductible
Eye Glasses for Children

Limit: 1.0 Item(s) per Benefit Period

Limited to 1 frame every other year. Lenses or contact lenses limited to 1 item annually. Benefit ends at the end of the month when the member turns 19.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Gender Affirming Care

Prior Authorization requried

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Generic Drugs
YES

$10.00

100.00%
Habilitation Services

Limit: 30.0 Visit(s) per Benefit Period

YES

$20.00

60.00% Coinsurance after deductible
Hearing Aids

Limit: 1.0 Item(s) per 3 Years

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Home Health Care Services

Limit: 40.0 Visit(s) per Benefit Period

Prior authorization is required in lieu of a Hospital or Skilled Nursing Facility stay.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Hospice Services
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)

Prior authorization may be required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Infertility Treatment

Testing for the diagnosis of infertility: Transvaginal ultrasound for structural evaluation (limit of 1 per calendar year) Sonogram (limit of 1 per calendar year) Screenings for stimulations of ovarian reserves and ovarian functions(limit of 1 per screening per calendar year) Screenings for assessment of polycystic ovarian syndrome (PCOS) (limit of 1 per calendar year) Semen Analysis (limit of 2 per calendar year)

NO
Infusion Therapy
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)

Prior authorization is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Inpatient Physician and Surgical Services
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Long-Term/Custodial Nursing Home Care
NO
Major Dental Care - Adult
NO
Major Dental Care - Child
YES

30.00%

60.00% Coinsurance after deductible
Mental/Behavioral Health Inpatient Services

Prior authorization is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
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 additional information.

YES

$20.00

60.00% Coinsurance after deductible
Non-Preferred Brand Drugs
YES

$60.00 Copay after deductible

100.00%
Nutritional Counseling

Limit: 12.0 Visit(s) per Benefit Period

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Orthodontia - Adult
NO
Orthodontia - Child
YES

30.00%

60.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)
YES

$20.00

60.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Outpatient Rehabilitation Services

Limit: 30.0 Visit(s) per Benefit Period

YES

$20.00

60.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Preferred Brand Drugs
YES

$20.00

100.00%
Prenatal and Postnatal Care
YES

No Charge

60.00% Coinsurance after deductible
Preventive Care/Screening/Immunization
YES

0.00%

60.00% Coinsurance after deductible
Primary Care Visit to Treat an Injury or Illness
YES

$20.00

60.00% Coinsurance after deductible
Private-Duty Nursing

Nursing care that is provided to a Member on a one-to-one basis by licensed nurse in an inpatient or home setting. Prior authorization is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Prosthetic Devices

Prosthetic limbs, sockets and supplies, and prosthetic eyes; Externally worn breast prostheses and surgical bras, including necessary replacements following a mastectomy. Includes two (2) external prosthesis per Calendar Year and six (6) bras per Calendar Year. For double mastectomy: coverage extends to four (4) external prosthesis per Calendar Year and six (6) bras per Calendar Year. Devices permanently implanted that are not Experimental or Investigational Services such as artificial joints, pacemakers, and surgically implanted breast implant following mastectomy. Cranial Prosthesis, including wigs (limited to 1 per benefit period)Prosthetic limbs, sockets and supplies, and prosthetic eyes. Requires Prior Authorization.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Radiation

Prior authorization is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Reconstructive Surgery

Some services require prior authorization.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy

Limit: 30.0 Visit(s) per Year

YES

$20.00

60.00% Coinsurance after deductible
Rehabilitative Speech Therapy

Limit: 30.0 Visit(s) per Year

YES

$20.00

60.00% Coinsurance after deductible
Routine Dental Services (Adult)
NO
Routine Eye Exam (Adult)

Vision examination is only covered when related to injury, accident or cancer that damages the eye. Dilated eye examination for diabetes-related diagnosis (limit of one exam per Member per year)

NO
Routine Eye Exam for Children

Limit: 1.0 Exam(s) per Benefit Period

YES

No Charge

60.00% Coinsurance after deductible
Routine Foot Care

Covered when medically appropriate.

NO
Skilled Nursing Facility

Limit: 30.0 Days per Benefit Period

Preauthorization is required.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Specialist Visit
YES

$40.00

60.00% Coinsurance after deductible
Specialty Drugs

Preferred and Non-Preferred specialty drugs may be subject to different cost sharing rates.

YES

$250.00 Copay after deductible

100.00%
Substance Abuse Disorder Inpatient Services

For SUD, PA required for inpatient, residential, partial hospitalization, and intensive outpatient.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services
YES

$20.00

60.00% Coinsurance after deductible
Transplant

Prior authorization is required. To be eligible for coverage, Transplants must meet United Network for Organ Sharing (UNOS) criteria and/or Medical Criteria. Transplants must be performed at contracted Centers of Excellence or otherwise identified and accepted by Sanford Health Plan as qualified facilities.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders

Services for the Treatment and Diagnosis of TMJ/TMD are covered subject to Medical Necessity. Manual therapy and osteopathic or chiropractic manipulation treatment if performed by physical medicine Providers. TMJ Splints and adjustments if your primary diagnosis is TMJ/TMD. Maximum Benefit Allowance of 1 splint per Member per Benefit Period.

YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible
Urgent Care Centers or Facilities
YES

$30.00

60.00% Coinsurance after deductible
Weight Loss Programs
NO
Well Baby Visits and Care

Well Child Care to the Member's 6th birthday, 100% of Allowed Charges.

YES

No Charge

60.00% Coinsurance after deductible
X-rays and Diagnostic Imaging
YES

30.00% Coinsurance after deductible

60.00% Coinsurance after deductible

Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan Variant 89364ND0120017-05 Attributes

Plan Attribute Value
AV Calculator Output Number 0.8733413803485369
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 87% AV Level Silver Plan
Dental Only Plan No
Design Type Design 1
Disease Management Programs Offered Asthma, Heart Disease, Diabetes, High Blood Pressure & High Cholesterol, Pregnancy
EHB Percent of Total Premium 0.9973540999999999
First Tier Utilization 100%
Formulary ID NDF005
Formulary URL URL
HIOS Product ID 89364ND012
Import Date 2024-10-17 01:02:25
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 89364
Issuer Marketplace Marketing Name Sanford Health Plan
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 Yes
Network ID NDN003
Out of Country Coverage No
Out of Country Coverage Description Only in Emergent Medical situations
Out of Service Area Coverage Yes
Out of Service Area Coverage Description Only in Emergent Medical situations
Plan Brochure URL
Plan Effective Date 2025-01-01
Plan Expiration Date 2025-12-31
Plan ID (Standard Component ID with Variant) 89364ND0120017-05
Plan Marketing Name Sanford Individual Simplicity Standardized $5,000
Plan Type PPO
Plan Variant Marketing Name Sanford Individual Simplicity Standardized $5,000
QHP/Non QHP Both
SBC Scenario, Having a Baby, Coinsurance $2,400
SBC Scenario, Having a Baby, Copayment $10
SBC Scenario, Having a Baby, Deductible $500
SBC Scenario, Having a Baby, Limit $60
SBC Scenario, Having Diabetes, Coinsurance $0
SBC Scenario, Having Diabetes, Copayment $700
SBC Scenario, Having Diabetes, Deductible $100
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 $500
SBC Scenario, Treatment of a Simple Fracture, Limit $0
Service Area ID NDS003
Source Name HIOS
Plan ID 89364ND0120017
State Code ND
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group $32000 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person $16000 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual $16,000
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group $20000 per group
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person $10000 per person
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual $10,000
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance 30.00%
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group $1000 per group
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person $500 per person
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual $500
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group $20000 per group
Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person $10000 per person
Combined Medical and Drug EHB Deductible, Out of Network, Individual $10,000
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group $6000 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person $3000 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual $3,000
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group $32000 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person $16000 per person
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual $16,000
Unique Plan Design No
URL for Enrollment Payment URL
URL for Summary of Benefits & Coverage URL
Wellness Program Offered No

Copay & Coinsurance of Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, 89364ND0120017

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

Frequently Asked Questions(FAQ) about Sanford Individual Simplicity Standardized $5,000, 89364ND0120017 Health Insurance Plan, 89364ND0120017

  • Does Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, 89364ND0120017 support Mail Ordering?

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

  • Does (89364ND0120017) Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs?

    Yes, and here is the list of available programs: Asthma, Heart Disease, Diabetes, High Blood Pressure & High Cholesterol, Pregnancy

    Does (89364ND0120017) Health Insurance Plan, Variant (89364ND0120017-05) have Out Of Country Coverage?

    No, unfortunately there is no Out Of Country Coverage for this Health Insurance Plan (variant of plan). Details: Only in Emergent Medical situations

    Does (89364ND0120017) Health Insurance Plan, Variant (89364ND0120017-05) have Out of Service Area Coverage?

    Yes. Details: Only in Emergent Medical situations

    Does (89364ND0120017) Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs?

    Yes, and here is the list of available programs: Asthma, Heart Disease, Diabetes, High Blood Pressure & High Cholesterol, Pregnancy

    Does Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs for Asthma?

    Yes, the Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan Variant 89364ND0120017-05 offers Disease Management Program for Asthma.

    Does Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs for Heart disease?

    Yes, the Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan Variant 89364ND0120017-05 offers Disease Management Program for Heart disease.

    Does Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs for Diabetes?

    Yes, the Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan Variant 89364ND0120017-05 offers Disease Management Program for Diabetes.

    Does Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs for High blood pressure & high cholesterol?

    Yes, the Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan Variant 89364ND0120017-05 offers Disease Management Program for High blood pressure & high cholesterol.

    Does Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan, Variant (89364ND0120017-05) offer Disease Management Programs for Pregnancy?

    Yes, the Sanford Individual Simplicity Standardized $5,000 Health Insurance Plan Variant 89364ND0120017-05 offers Disease Management Program for Pregnancy.

 

Disclaimer: This is based on the import(Date: Tue, 03 Dec 2024 06:24 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