MyPriority HMO HSA Silver 3000 - Off-Marketplace - Beaumont Health Network

MyPriority® HMO HSA Silver 3000 – Off-Marketplace (full or narrow network) plans are an affordable option for individuals who do not qualify for a federal subsidy or choose not to use it. It offers a lower monthly premium because you purchase it directly from Priority Health and avoid fees associated with plans offered on the federally run Marketplace.

This plan comes with a health savings account ( HSA ) that 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 you get:

  • Free HSA banking partner: HealthEquity® sets up and helps you manage your HSA banking account
  • 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
  • Virtual care: 24/7 non-emergency care by mobile device or online (i.e. Spectrum Health App)
  • Chronic condition management: Services, supplies and treatments for some of the most common chronic conditions, with cost-share, before deductible

Beaumont Health Network: Narrow network option for residents of Wayne, Oakland and Macomb counties

Members who choose a Beaumont Health Network plan are required to receive care in the Beaumont Health system of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc.

The network includes:

Hospitals

  • Beaumont Hospital, Dearborn (formerly Oakwood Hospital, Dearborn)
  • Beaumont Hospital, Farmington Hills (formerly Botsford Hospital)
  • Beaumont Hospital, Grosse Pointe
  • Beaumont Hospital, Royal Oak
  • Beaumont Hospital, Taylor (formerly Oakwood Hospital, Taylor)
  • Beaumont Hospital, Trenton (formerly Oakwood Hospital, Southshore)
  • Beaumont Hospital, Troy
  • Beaumont Hospital, Wayne (formerly Oakwood Hospital, Wayne)

Physician network

  • Physicians employed by Beaumont Health
  • Any individual community physicians with admitting privileges at Beaumont Health that are listed as in-network in the Priority Health Beaumont Network Find a Doctor directory

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 Beaumont Health Network on their ID cards.
  • Care received outside of the Beaumont Health network will not be covered, and members will be required to cover the full cost for out-of-network care.

Network

Beaumont Health Network

You must receive care in the Beaumont Health Network system of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc. Care received outside of the Beaumont Health 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 Beaumont Health Network.

Metal level

Silver

The metal level determines how you and your plan share the costs of care. Silver means your health plan pays 70% (on average) and you pay about 30%. Silver level plans offer a good balance of premium and out-of-pocket costs. 

Deductible

$3,000
Individual
$6,000
Family

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

Coinsurance

70%
Plan pays
30%
You pay

After you've paid your deductible, coinsurance is your portion of the cost for medical services listed as benefits in your insurance plan or prescriptions listed in the approved drug list. For example, if your plan's fee for an office visit is $100 and you've met your deductible, your coinsurance payment of 20% would be $20. Priority Health would pay the rest of the fee, 80%. Preventive health services are covered at 100%.

Out-of-pocket limit

$6,900
Individual
$13,800
Family

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

Vision exam

$0 copayment
Before deductible

Virtual care

Covered in full

24/7 non-emergency care by mobile device or online.

Free preventive care

$0 copayment

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.

Emergency services

30%
Coinsurance after deductible

Diagnostic tests, X-rays, lab services and radiology services

30%
Coinsurance after deductible

Tier 1a and Tier 1b drugs

30%
Coinsurance after deductible

The least expensive prescription drugs available to you. This tier includes low-cost generic drugs—proven to be as safe as brand-name drugs—and, on some formularies, select brand-name drugs.


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.