MyPriority HSA Bronze 7050 - Spectrum Health Partners

MyPriority® HSA Bronze 7050 (full or narrow network) plans are an affordable choice if you're generally healthy and savings-minded. This plan gives you the peace of mind knowing you're protected if something catastrophic happens. Your HSA will help pay for medical expenses, is eligible for federal tax advantages and any unused money automatically rolls over from year to year.

Keep in mind you pay 100% of the cost of your health care out of your pocket until you meet your deductible.

Highlights of what members get:

  • Free HSA banking partner: HealthEquity® sets up and helps you manage your HSA banking account
  • Limited virtual care: 24/7 access to a doctor with a Spectrum Health On-Demand Video Visit
  • Prescription drugs: Tier 1a and Tier 1b drugs covered in full, after deductible
  • Chronic condition management: Services, supplies and treatments for some of the most common chronic conditions covered in full or with cost-share, before deductible
  • Cost Estimator: Access to our tool to see prices for hundreds of services and procedures
  • Active&Fit Direct™: Discounted prices for gym memberships and more!
  • Global emergency assistance: If you become ill or injured while traveling more than 100 miles from home, our partner Assist America® can help you get care and even arrange your safe travel home
  • Hearing exams and hearing aids: Discounts for you and your extended family with TruHearing®

Spectrum Health Partners: Narrow network option for Kent County residents

Members who choose one of these plans are required to receive care in the Spectrum Health system of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc.

Network includes:

  • Spectrum Health hospitals (including those outside Kent County with the exception of Spectrum Health Lakeland)
  • Spectrum Health Medical Group
  • Physicians who denote a Spectrum Health hospital in Grand Rapids as their primary hospital affiliation
  • Orthopedic Associates of Michigan (OAM) physicians (procedures must be done at a Spectrum Health facility)
  • Ancillary facilities such as Pine Rest Christian Mental Health Services and Forest View Hospital
  • All in-network pharmacies

Details:

  • A narrow network allows members to enjoy a lower monthly premium while getting access to quality care.
  • Members who enroll in this plan will see the Spectrum Health Partners network on their ID cards.
  • Care received outside of the Spectrum Health Partners network will not be covered and members will be required to cover the full cost for out-of-network care.

Your out-of-pocket costs may vary based on your subsidy level from the Federally-Facilitated Marketplace (FFM).

Network

Spectrum Health Partners

You must receive care in the Spectrum Health Partners network of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc. Care received outside of the Spectrum Health Partners network will not be covered and members will be required to cover the full cost of out-of-network care.

Emergency services are covered at the in-network level. Use our Find a Doctor online directory to see if your doctor is in the Spectrum Health Partners network.

Metal level

Bronze

The metal level determines how you and your plan share the costs of care. Bronze means generally lower premium costs but higher out-of-pocket costs at time of service.

Deductible

$7,050
Individual
$14,100
Family

This is the amount you pay for in-network covered health care services before Priority Health begins to pay.

Coinsurance

100%
Plan pays
0%
You pay

Coinsurance is the percentage of the cost of medical services you have to pay after you've met your deductible.

Out-of-pocket limit

$7,050
Individual
$14,100
Family

Your annual maximum cost. The most you'll pay for health care services including copays and prescription drugs in one year.

Office visits

Covered in full
Primary care
After deductible
Covered in full
Specialist
After deductible
Covered in full
Mental health
After deductible

Limited virtual care

Covered in full, after deductible

24/7 access to a doctor with a Spectrum Health On-Demand Video Visit.

Preventive care

Covered in full

Preventive care includes specific health care services that help you avoid potential health problems or find them early when they are most treatable, before you feel sick or have symptoms. Examples of preventive care include flu shots, physical exams, lab tests and some prescriptions. See our Preventive Health Care Guidelines for a list of covered preventive services.

Retail health, urgent care and emergency services

Covered in full
Retail health clinic, after deductible
Covered in full
Urgent care, after deductible

Covered in full
Emergency room, after deductible

When you seek treatment for an illness, injury, symptom or condition that needs immediate care.

Diagnostic tests, X-rays, lab and radiology services

Covered in full
After deductible

Tier 1a and Tier 1b drugs

Covered in full
Tier 1a
After deductible
Covered in full
Tier 1b
After deductible

Tier 1 includes low-cost generic drugs, proven to be as safe as brand-name drugs. Some drugs for chronic condition management are accessible at low or no cost before you meet your deductible.

The features and benefits explained in this section are intended to give you an overview of your coverage and do not include or explain every detail of what is and is not covered. Please refer to the Summary of Benefits and coverage.