MyPriority HMO Silver 3200 - Off-Marketplace - Spectrum Health Partners
MyPriority HMO Silver 3200 - Off-Marketplace (full or narrow network) plans are an affordable option for individuals who do not qualify for a federal subsidy, or chose 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.
Highlights of what you get:
- Free virtual care: 24/7 non-emergency care by phone or online
- Prescription drugs: $20 copay for generics before deductible
- Unlimited primary doctor visits: $30 primary care doctor visits before deductible
- Urgent Care: $75 urgent care visits 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!
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.
- Spectrum Health hospitals (including those outside Kent County)
- Spectrum Health Medical Group
- Physicians who designate a Spectrum Health hospital (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 Mary Free Bed, Pine Rest and Forest View
- All in-network pharmacies
- 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.
You must receive care in the Spectrum Health system of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc. 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.
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%.
This is the amount you pay for in-network covered health care services before Priority Health begins to pay.
This is the amount you pay in-network, after deductible. Preventive health services are covered at 100%.
This is the most you pay during a policy period (usually a year) before Priority Health begins to pay 100% of the allowed amount. This includes your copayments, deductibles and coinsurance payments. This limit does not include your monthly premium.
Primary doctor, before deductible
Specialist, deductible applies
Urgent care, before deductible
Free preventive care
Routine care helps keep you and your family healthy. That's why we cover preventive care like well-child visits, flu shots and annual exams at no cost. See our Preventive Health Care Guidelines for a list of in-network covered preventive services.
After deductible, waived if admitted
Diagnostic tests, X-rays, lab services and radiology services
Preferred generics and generic 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.
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