Plan Brochure
Ascension St. John Empower Bronze $0 Medical Deductible
Plan Year:
2027
Metal Level:
Bronze
Bronze Metal plans cover an estimated 60% of your medical and prescription drug costs. They limit your annual out-of-pocket expenses. Bronze plans are the least expensive of all the "metal plans."
Medical Benefit
| In Network | |
| Individual Deductible | $0 |
| Family Deductible | $0 |
| Individual Out of Pocket Maximum | $12,000 |
| Family Out of Pocket Maximum | $24,000 |
| Primary Care Office Visits | $50Copayment |
| Specialty Care Office Visits | $150Copayment |
| Preventive Care | No Copayment |
| Emergency Room | $1,500Copayment |
| Urgent Care | $75Copayment |
| Inpatient Hospital | $2,000Copayment |
| Mental Health Physician Visit | $50Copayment |
| Laboratory | $50Copayment |
| Radiology | $150Copayment |
| MRI, CT Scan and PET Scan | $250Copayment |
Pharmacy Benefit
| | |
| Combined Pharmacy and Medical Individual Deductible | $0 |
| Combined Pharmacy and Medical Family Deductible | $0 |
| Combined Pharmacy and Medical Individual Out-of-Pocket Maximum | $12,000 |
| Combined Pharmacy and Medical Family Out-of-Pocket Maximum | $24,000 |
| Retail Pharmacy - Tier1 - Preferred Generic Drugs | $25 |
| Retail Pharmacy - Tier 2 - Preferred Brand Drugs | 50%* |
| Retail Pharmacy - Tier 3 - Non-Preferred Brand or Generic Drugs | 50%* |
| Retail Pharmacy - Diabetic, Ostomy, and Urologic Supplies | 50%† |
| Mail Order Pharmacy - Tier 1 - Preferred Generic Drugs | $75 |
| Mail Order Pharmacy - Tier 2 - Preferred Brand Drugs | 50%* |
| Mail Order Pharmacy - Tier 3 - Non-Preferred Brand or Generic Drugs | 50%* |
| Mail Order Pharmacy - Diabetic, Ostomy, and Urologic Supplies | 50%† |
| Specialty Pharmacy - Tier 4 - Preferred Specialty Pharmacy Drugs | 50%* |
| Specialty Pharmacy - Tier 5 - Non-Preferred Specialty Pharmacy Drugs | 60%* |
*After Deductible, the Coinsurance/Copayment will apply.
†Select supplies will be covered under the applicable formulary tier copay/coinsurance.
Essential Benefits
All health plans in the exchanges are required to provide a minimum set of benefits which are termed essential benefits. These benefits include:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health services
- Substance use disorder services
- Prescription drug coverage
- Rehabilitative and habilitative services and devices
- Preventative and wellness services
- Pediatric Services
