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Oregon Medical Insurance
Pool (OMIP)
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| Plan 1500 Benefits
Plan 500 Rates | Plan
750 Rates | Plan 1000 Rates | Plan
1500 Rates
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Medical & Portability Plan 1500 Benefit Summary |
| Lifetime Maximum Benefit |
$2,000,000 |
| Pre-existing Waiting Period, Including Pregnancy |
Medical eligibility - 6 months/Portability - No waitng period |
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In Network you pay |
Out of Network you pay |
| Annual Prescription Deductible |
$1,000 |
| Annual Medical Deductible |
$1,500 |
| Maximum Annual Medical Out of Pocket, excluding medical deductible, per individual1 |
$6,000 |
$12,000 |
| Doctor Visits |
30% |
50% |
| Hospital |
30% |
50% |
| Outpatient Surgery |
30% |
50% |
| Skilled Nursing Care - limited to 60 days |
30% |
| Home Health Care - limited to 60 visits |
30% |
50% |
| Emergency Room2 |
30% + $100 copay |
30% + $100 copay |
| Ambulance |
30% |
| Maternity |
30% |
50% |
| Diagnostic X-Ray/Lab |
30% |
50% |
| Transplant2 |
0% |
50% |
| Hospice |
30% |
50% |
| Rehabilitation Inpatient - limited to 60 days |
30% |
50% |
| Rehabilitation Outpatient - limited to 60 days |
30% |
50% |
| Durable Medical Equipment |
30% |
| Mental Health |
30% |
50% |
| Chemical Dependency |
30% |
50% |
| Womens Health Care Services3 |
20% |
Not Covered |
| Mens Health Care Services3 |
20% |
Not Covered |
| Immunizations3 |
20% |
Not Covered |
| Well Baby Care3 |
20% |
Not Covered |
| Well Child Care3 |
20% |
Not Covered |
| Prescription Drugs: No out of pocket maximum on prescription drugs2 & $1,000 Rx deductible (annual) |
| Generic Coinsurance4 |
up to $5 |
| Preferred Brand Coinsurance4 |
up to $40 |
| Non-Prefered Brand Coinsurance |
up to $70 |
1) This is the maximum amount you will pay for covered medical services per individual, per calendar year, excluding the deductibles, before OMIP will begin paying 100% for covered services.
2) The emergency room co-pay, out-of-pocket prescription drug payments, transplants performed at noncontracting facilities, and disallowed charges do not apply to the medical deductible or out-of-pocket
maximum.
3) These services do NOT accumulate towards the maximum annual out-of-pocket expense. Also, you do not have to meet the annual medical deductible before OMIP pays for these services. Adult (age
19 and above) immunizations are limited to the following: Influenza (flu), Zostavax (shingles), Pneumococcal (pneumonia), Tetanus/Diphtheria Toxoid, and Varicella (chicken pox).
4) $0 co-payment for specific diabetic supplies, insulin (excluding pumps), and evidence-based generic maintenance medications as determined by OMIP. A list of these medications can be found
on our Web site at www.omip.state.or.us. Not subject to Rx deductible for Plan 1500. This list is subject to change.
This Health Benefit Plan Summary is intended only as a brief summary of our benefit plans. Please refer to the OMIP Contract for specific details. Exact terms, conditions, provisions, exclusions,
and limitations are defined in the OMIP contract.
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But please remember to read through the OMIP packet
carefully before making a decision.
This information is taken from the Oregon Department
of Consumer and Business Services web site. Every reasonable
effort is made to assure the accuracy of the information
provided here. InsuranceQuest, LLC is a licensed
and independent agency that can assist consumers in
securing this coverage.
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HealthNet
Oregon 