MyPriority HMO Silver 3200 - St. Joseph Mercy Health System Network

MyPriority® HMO Silver 3200 (full or narrow network) plans are a smart option for individuals and families that don’t anticipate needing major health care services and want the reassurance of being covered for general care. This plan can be purchased on the federal Marketplace or directly from Priority Health.

Highlights of what you get:

  • $0 virtual care: 24/7 non-emergency care by phone or online.
  • Prescription drugs: $5 copay for preferred generics, before deductible.
  • Unlimited primary doctor visits: $30 primary care doctor visits, before deductible.
  • Vision coverage: Embedded vision exam and discounts, available through EyeMed.
  • 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!

St. Joseph Mercy Health System Network: Narrow network option for residents of Wayne, Oakland, Macomb, Washtenaw and Livingston counties

Members who choose a St. Joseph Mercy Health System Network plan are required to receive care in the St. Joseph Mercy Health System network of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc.

The network includes:

Hospitals

  • St. Joseph Mercy Chelsea Hospital
  • St. Joseph Mercy Hospital
  • St. Joseph Mercy Livingston Hospital
  • St. Joseph Mercy Oakland Hospital
  • St. Mary Mercy Livonia Hospital
  • Affiliated partners

Physician network

Physicians who are affiliated with St. Joseph Mercy groups as listed below:

  • IHA
  • Huron Valley Physician Association
  • Oakland Physician Network Services – with St. Joseph Mercy Oakland designated as the primary hospital
  • Livingston Physician Organization
  • St. Mary Mercy Physician Practices

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

Network

St. Joseph Mercy Health System Network

Members must receive care in the St. Joseph Mercy Health System Network system of doctors and hospitals and their affiliated clinics, outpatient facilities, labs, etc. Care received outside of the St. Joseph Mercy Health System 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 St. Joseph Mercy Health System 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

$3,200
Individual
$6,400
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

$7,350
Individual
$14,700
Family

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.

Office visits

$30 copayment
Primary doctor, before deductible 
$45 copayment
Specialist, after
deductible
$75 copayment
Urgent care, before deductible

Virtual care

$0 copayment
Before deductible

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

$250 copayment
After deductible, waived if admitted
30%
Coinsurance

An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm.

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

30%
Coinsurance after deductible

Preferred generics and generic drugs

$20 copayment
Before 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.